From new tires on your car to that engagement ring.

Take advantage of a quick, low cost option to borrow for the things you need with a Patelco Personal Loan.

  • Rates as low as 5.30% APR¹
  • Terms up to 5 years
  • Borrow up to $50,000
  • No prepayment penalties or origination fees

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Timely Repayment Incentive Program (TRIP)

Participants may qualify for loan rate reductions by making consecutive, on-time payments.

If you don't initially qualify for our lowest rates due to credit history, TRIP can reduce your rate over time when you make on-time monthly payments. You will automatically be enrolled in the program when your loan funds.

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Patelco Personal Loan Benefits

Quick Access to Funds

Quick Access to Funds

Approved funds are deposited into your Patelco account.

Fixed Monthly Payments

Fixed Monthly Payments

Know your budget so you can pay down off your loan.

Low Rates & Flexible Terms

Low Rates & Flexible Terms

Get a competitive rate on the terms you want.

See Rates

¹ APR (Annual Percentage Rate). Loan rates offered effective 7/19/2019 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change.

Loan payment example:

Personal Loan:

The APR range is 5.30% 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