Flexible, fast and affordable options

Our personal loans are flexible loans for any need – debt consolidation, home improvement, medical bills, a wedding, or an unexpected expense. You've got needs, and we've got options, including fixed-rate loans, secured loans, credit builder loans and personal lines of credit.  

With a personal loan, we offer the stability of fixed interest rates, fixed payments and rates that are lower than typical credit cards. All of our loans are designed with your well-being in mind, which is why our personal loans can help with everything from overdraft protection on your checking account to covering an emergency.

Have questions about which loan is right for you? Talk to us or visit your local branch, and we'll help you choose and apply for the loan that's best for your financial health.

Competitive Low Rates

Debt & Loan Protection2

Debt and Loan Protection

Different Loans For Your Needs

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  • A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
  • Borrow up to $25,000
  • Rates starting at 5.40% APR1 with terms up to 5 years
  • Fixed, low rates and payments
  • No loan origination fees
  • No prepayment penalties or finance charge refund for early payment
  • Skip-A-Pay program available²
  • Free credit report and financial support services
  • This loan is great for those just getting started with credit and those looking to build or re-build their credit.
  • Loan amounts from $500 to $5,000
  • Fixed low rate of 3.95% APR* with flexible terms up to 3 years
  • Build your credit at all three major credit bureaus
  • No upfront cost or deposit required
  • Apply without having established credit

Automatic payments from a Patelco account are required.*

  • A great way to increase spending power between paychecks
  • $500 credit limit (can be increased upon request)
  • Only pay interest on the amount you use
  • Rates starting at 9.50% APR1
  • No monthly, cash advance, or usage fees
  • Skip-A-Pay program available2
  • Helps build or rebuild credit when payments are made on time
  • Great option when you need cash flow flexibility
  • Payments based on amount borrowed
  • Up to $25,000 credit limit
  • Rates starting at 10.00% APR1
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Access your funds online, by ATM, by phone, or at a local branch
  • Free credit report and financial support services
  • Borrow up to 100% of the funds in your Patelco savings account
  • Terms up to 5 years
  • Rates starting at 2.50% APR1
  • Fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Free credit report and financial support services
  • Borrow up to 100% of the balance on any Patelco Certificate
  • Terms up to 5 years
  • Check rates
  • Fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Free credit report and financial support services

PERSONAL LOAN

For anything you need

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Fixed, low rates and payments

Borrow up to $25,000

Terms up to 5 years

SIGNATURE LINE OF CREDIT

For backup funds

APPLY TODAY

Payments based on amount borrowed

Up to $25,000 credit limit

Terms up to 5 years

OVERDRAFT LINE OF CREDIT

For accidental overage on checking

APPLY TODAY

Only pay interest on the amount you use

$500 credit limit (can be increased upon request)

No monthly, cash advance, or usage fees

SAVINGS SECURED LOAN

Borrow against savings

APPLY TODAY

Fixed interest rate (based on credit approval)

Borrow up to 100% of the funds in your Patelco savings account

Terms up to 10 years

CERTIFICATE SECURED LOAN

Borrow against a CD

APPLY TODAY

Fixed interest rate (based on credit approval)

Borrow up to 100% of the balance on any Patelco Certificate

Terms up to 5 years

CREDIT BUILDER LOAN

For building credit

APPLY TODAY

Payment based on amount borrowed

Borrow $500 to $5000

Payments are placed in a ScoreUp savings account until loan payoff

Loan Payments Calculator

What would my loan payment be?

Should I consolidate my personal debt into a new loan?

Determine how quickly you could get out of debt and how much interest you might save. Check out the calculator.

Simple, secure benefits

No minimum balance

No Prepayment Penalties

No Prepayment Penalties

We won't charge you for paying off your loan early.

Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Discover Mobile Banking
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No application fees

No application fees

No application fees

Bill Pay

Unlimited Online Bill Pay

Unlimited Online Bill Pay

Flexibility to bay your bills online quickly and securely

Education

Financial education tools and seminars

Financial education tools and seminars

Our mission is to help you build your financial well-being

Learn more
No penalty

Quick and easy loan application

Quick and easy loan application

Quick and easy loan application

1. APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 7/31/2020. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, loan term, and Patelco account relationship. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.40% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. The APR range is 5.40% to 18.40% with terms available from 6 to 60 months. Example, if you receive a loan of $10,000 with and interest rate of 7.40% with no origination fee and make 48 monthly payments of $242.05, your finances charges will be $1,618.13 which would make your total repayment amount $11,618.13

2. A $25 fee will be added to the loan balance when Skip-A-Pay is used.

* Automatic funds transfer from a Patelco checking, savings or money market account is required. APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rate of 3.95% effective 7/31/2020. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, loan term, and Patelco account relationship. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The ScoreUp savings account is used as collateral for your ScoreUp loan. As of 7/31/2020 the APY (Annual Percentage Yield) for of the ScoreUp savings account is 0.05% and is subject to change without notice. After successful repayment of the loan, the balance in the ScoreUp savings account (which includes the interest earned) will be disbursed to the borrower. After 25 days delinquent the ScoreUp Loan will automatically close and the funds in my pledged account will be applied to settle my loan.

 

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