Your auto loan needs covered

Rates as low as

2.79% APR1

as of 6/29/2018

Find. Buy. Protect. One stop.

Timely Repayment Incentive Program: TRIP

New Auto Loan

Flexible terms, up to 125% financing

  • Rates as low as 2.79% APR
  • Up to 125% financing with Guaranteed Auto Protection and Mechanical Breakdown Protection
  • Flexible terms up to 84 months
  • No prepayment penalties
  • Enjoy a potential rate reduction with our Timely Repayment Incentive Program (TRIP)

Used Auto Loan

Flexible options to fit your needs

  • Rates as low as 2.89% APR
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
  • Up to 125% financing with Guaranteed Auto Protection and Mechanical Breakdown Protection
  • Flexibility that allows you to buy from a dealer, private party, or even buy out a lease
  • Enjoy a potential rate reduction with our Timely Repayment Incentive Program (TRIP)

Auto Loan Refinancing

Trade-in your loan for a better one

  • Rates as low as 2.79% APR
  • Affordable terms up to 84 months
  • Loans up to 125% of the Kelley Blue Book value (in case you owe more than your car is worth)
  • Save on your rate by refinancing auto loans from other financial institutions

Switch to Save

We’ll assess your needs and tell you if we can save you money

Get started

How much car can I afford?

Our markers of success

Shop the way you want

Free, concierge car-buying service

Let Patelco Auto Buying service experts find the car you want and negotiate a great price for you.

Research & Shop with AutoSMART


Use our AutoSMART service to search, shop and finance your ca
r all in one place.

You're invited to our Car Sale


Join us for our upcoming car sale July 20-22 and receive special member pricing.

Protect your new ride

Expert agents will find you the right insurance and protection services at the best price.

Comprehensive Auto Insurance services2

Get your quote today.

Weekdays 5am - 7pm PT         Saturdays 9am - 2pm PT

844.835.7645

Guaranteed Auto Protection (GAP)

Mechanical Breakdown Protection (MBP)

Debt & Loan Protection

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.

1. APR (Annual Percentage Rate). Auto rates as low as 2.79% APR effective 6/29/2018; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.24% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $22.05 per month for each $1,000 borrowed at 2.79% APR for 48 months.

2. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, www.insurance.ca.gov.

Already applied for an auto loan?

CHECK YOUR STATUS

View all applications.

Switch to Save

Looking to lower your current auto loan rate or change terms for greater savings? Let's see if we can help.

Get Started