Your auto loan needs covered
Rates as low as
as of 5/15/2018
Find. Buy. Protect. One stop.
Timely Repayment Incentive Program: TRIP
New Auto Loan
Flexible terms, up to 125% financing
Used Auto Loan
Flexible options to fit your needs
- Rates as low as 3.29% 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 3.09% 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
How much car can I afford?
Our markers of success
SERVICE THAT BRINGS MEMBERS BACK
"I'm on my third Patelco auto loan and I would never consider trying anyone else. The customer services is incredible!"D.O.,
Member since 2013
MORE POSSIBILITIES FOR MORE PEOPLE
"I was assisted with an auto loan and purchase delivery. It was the best experience - I never knew it existed."W.H.,
Member since 2000
THERE THROUGH UPS AND DOWNS
"I desperately needed a new car, but had little money to put down. Patelco never hesitated to help me."P.M.,
Member since 1993
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 car all in one place.
You're invited to our Car Sale
Join us for our upcoming car sale June 23-24 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
Weekdays 5am - 7pm PT Saturdays 9am - 2pm PT
1. APR (Annual Percentage Rate). Auto rates as low as 3.09% APR effective 5/16/2018; 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 11.09% 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: $16.50 per month for each $1,000 borrowed at 3.09% APR for 66 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.