Auto Loans
Drive off with an affordable new or used vehicle, or save on one you already own.
Used Car Loans
Purchase from a dealer, private party, or even buy out a lease.
Refinance Your Car
Lower your current payment or rate or adjust your terms.
Cash-out Refinance
Take cash out from your car to cover your financial needs.
Get where you need to go with a low-rate car loan
Peace of mind
Competitive rates plus a 15-day rate-lock guarantee1
Affordable terms
Up to 84 months
Flexible payment options
Make no car payments up to 90 days2
No pre-payment penalties
Pay off your loan early if you need to
Car shopping made easy
All the tools you need to find your next car online with AutoSMART™ 3
Dealership discounts
Shop with Enterprise Car Sales and save an additional 1.00% APR off your rate on terms up to 72 months4
Pre-qualify within minutes
See your rate, payment and loan terms upfront. All without impacting your credit score.5
Auto Loan FAQs
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There are several ways you can apply.
Online: It’s fast and easy. Check your rate and pre-qualify online.
With the Patelco team: We can help you apply at a local branch, or online through our Patelco Virtual Branch™. Visit patelco.org/locations to get started.We may be able to help! Out-of-state financing is available at select dealerships and on certain types of refinance transactions. In addition, you must be a Patelco member for at least six months to be eligible. If you’re interested in an out-of-state purchase or car refinance, speak to a Patelco team member for more details.
We offer several convenient ways to pay for your loan. Review all of your options here.
We are unable to offer financing for Branded Titles (e.g. – salvaged, lemon law) or for certain types of commercial vehicles, including but not limited to: Chevrolet Silverado 4500 – 6500, Chevrolet Express, Dodge Ram Promaster/Promaster City, Dodge Ram Chassis 4500, Ford F-450 or higher, Ford Transit/Transit Connect, GMV Savana, GMC Sierra 4500, Mercedes Benz Sprinter, Mercedes Benz Metris, Nissan NV and NV2000. Speak to a team member for more details.
1 After you submit a loan application, your Auto Loan rate disclosed is guaranteed for 15 days from the date your loan is approved. Any change to term and/or vehicle information, credit history, account relationship, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.
2 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.
3 The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website’s Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.
4 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 72 months. Current rate will vary based on credit-worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from April 1, 2025 – September 30, 2025. This offer cannot be combined with any other offer other than those listed in this advertisement.
5 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.