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.
Affordable Personal Loans
Rates starting at
5.95% APR1
Debt & Loan Protection2
Different Loans For Your Needs
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $100,000
- Rates starting at 5.95% APR1 with terms up to 7 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
ScoreUp™ Credit Builder Loan
Establish or re-build a positive credit history and score while saving.
- 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.*
Overdraft Protection Line of Credit
Get easy access to cash up to $5000
- Link to your Patelco checking account for worry-free protection – Learn More
- Tap into this line of credit to cover unplanned or occasional expenses between paychecks
- Rates starting at 10.00% APR3
- Pay interest only on the amount you use
- Skip-A-Pay program available2
- Build or rebuild credit when payments are made on time
Signature Line of Credit
Affordable funds when you need them.
- Great option when you need cash flow flexibility
- Payments based on amount borrowed
- Up to $50,000 credit limit
- Rates starting at 10.00% APR3
- 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
Savings Secured Loan
Savings become a smart loan choice
- 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
Certificate Secured Loan
Leverage your Certificate for a loan
- 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 |
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For anything you need Check My Rate |
Fixed, low rates and payments |
Borrow up to $100,000 |
Terms up to 7 years |
SIGNATURE LINE OF CREDIT |
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For backup funds APPLY TODAY |
Payments based on amount borrowed |
Up to $50,000 credit limit |
Terms up to 5 years |
OVERDRAFT LINE OF CREDIT |
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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 |
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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 |
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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 |
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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 Prepayment Penalties
No Prepayment Penalties
We won't charge you for paying off your loan early.
Online & Mobile Banking
No application fees
No application fees
No application fees
Unlimited Online Bill Pay
Unlimited Online Bill Pay
Flexibility to pay your bills online quickly and securely
Financial education tools and seminars
Financial education tools and seminars
Our mission is to help you build your financial well-being
Learn more
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 5/27/2022. 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 17.90% 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 5.95% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with and interest rate of 7.45% with no origination fee and make 36 monthly payments of $311.83, your finances charges will be $1,225.87 which would make your total repayment amount $11,225.87. Additional Personal Loan examples: 49-60 Months $19.84 per month $1000 borrowed at 6.95% APR for 60 months; 61-72 Months $17.57 per month $1000 borrowed at 7.95% APR for 72 months; 73-84 Months $15.88 per month $1000 borrowed at 8.45% APR for 84 months. Additional ScoreUp Credit Builder Loan examples: 6-24 Months $43.47 per month $1000 borrowed at 3.95% APR for 24 months; 6-36 Months $29.56 per month $1000 borrowed at 3.95% APR for 36 months. Additional Savings Secured Loan examples: 6-12 Months $84.55 per month $1000 borrowed at 2.50% APR for 12 months; 6-24 Months $42.81 per month $1000 borrowed at 2.50% APR for 24 months; 6-36 Months $28.89 per month $1000 borrowed at 2.50% APR for 36 months; 6-48 Months $21.94 per month $1000 borrowed at 2.50% APR for 48 months; 6-60 Months $17.77 per month $1000 borrowed at 2.50% APR for 60 months
2. A $25 fee will be added to the loan balance when Skip-A-Pay is used.
3. APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 1/1/2022. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, and Patelco account relationship. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The APR range is 10% to 14.00% for Signature Line of Credit and Overdraft Protection Line of Credit. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.
* 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 5/27/2022. 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 5/27/2022 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.