See if you pre-qualify for an personal loan with no impact to your credit. Get your personalized rate, terms and payment amount all in less than 2 minutes online.

Congratulations! You're pre-qualified for a personal loan up to $40,000

Mix-and-match your terms below to find the loan that works for your budget. Is the pre-qualified amount not what you’re looking for? You can request your amount in the loan application.

See your pre-qualified Personal Loan offer without impacting your credit score in as little as 2 minutes.

Looks like we’re unable to get you a pre-qualified rate for your Personal Loan at this time.

Adding your SSN could help!
If you haven’t already, try submitting the Check My Rate form again with your Social Security Number.
You can also submit a full application using the button below which may impact your credit score.

By applying for a Patelco Personal Loan you consent to Patelco performing a hard pull of your credit, which may affect your credit score.

At this time we're unable to pre-qualify you for a Personal Loan. If you wish to apply use the button below.

Based on your information, we recommend that you apply for our ScoreUp Credit Builder Loan.
This loan is great for those just getting started with credit and those looking to build or re-build their credit.


ScoreUp Credit Builder Loan

Build or rebuild your credit score while building up your personal savings with no fees and a fixed low rate.
  • Loan amounts from $500 to $5,000
  • Fixed low rate of 3.95% APR1 with flexible terms up to 3 years
  • Build your credit at all 3 credit bureaus
  • No upfront costs or deposit required
  • Apply without having established credit
Loan proceeds are deposited into a ScoreUp Savings Account and will be available when loan is paid in full. Automatic payments from a Patelco account are required.*

How does the ScoreUp Loan work? Learn More


Thumbs up for ScoreUp

Our ScoreUp Loan is here to help if you have no credit, little credit or may need some help improving your credit score. By making manageable monthly payments on-time, you’ll be establishing a positive credit history, while also growing your savings.

How a credit builder loan is different from a traditional loan?

ScoreUp Loan
  • You do not need credit history to qualify
  • Interest rates are low
  • When your loan funds, the money is placed on hold and held as collateral in a ScoreUp Savings Account
  • You make monthly payments until the loan is paid off and then you have access to the money in your ScoreUp Savings Account
Traditional Loan
  • Established credit history is required and can be more difficult to qualify
  • Interest rates can be high without good credit
  • When your loan funds, the money is given to you
  • You make payments until the loan is paid off

How it works

1 Apply for a loan  amount with a manageable payment and keep your savings goal in mind.
2 Choose how many months you want to pay off the loan.
3 Each payment builds your credit history and your savings.
4 Get your money after paying off your loan. You can check your current credit score with one of the three credit bureaus.
5 Apply for another ScoreUp Loan if you want to do more to build your credit and grow your savings.

Your Financial Journey

Let's meet your financial goals together. Our Certified Financial Specialists are trained to help you wherever you are on the path to financial wellness.

Personal Loan

Even though we could not pre-qualify you for a personal loan, you are still welcome to apply. It's a great and flexible loan for any need.             

This is not a firm offer of credit and your approval is conditional upon your income, credit, and ability to repay. Your personalized offer expires after 10 days. By applying for a ScoreUp Credit Builder Loan or Personal Loan you consent to Patelco performing a hard pull of your credit, which may affect your credit score.

*Automatic funds transfer from a Patelco checking, savings or money market account is required.
1 APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rate of 3.95% effective 7/30/2020. 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 7/30/2020 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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We need a bit more information from you to provide you a rate. We recommend you submit a full loan application using the button below.

By applying for a Patelco Auto Loan you consent to Patelco performing a hard pull of your credit, which may affect your credit score.

This pre-qualification is not a firm offer of credit and is conditional upon your income, credit, and ability to repay. Your personalized rate expires after 10 days.  By accepting this pre-qualification offer you consent to Patelco performing a hard pull of your credit, which may affect your credit score.