Buckle up because you’re pre-approved¹

¹  We used information that we obtained from a consumer reporting agency to make you this pre-approval offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria for creditworthiness used to select you for this offer or any other criteria for creditworthiness, or if you do not provide the required collateral. If you do not meet these criteria, we may offer you a lower amount. This offer only applies to vehicles 10 years old or newer, with a maximum of 150,000 miles, and a non-salvage title. This offer can be used to purchase or refinance a new or used vehicle.

² APR (Annual Percentage Rate). New Auto rates starting at 5.19% APR effective 07/15/2026; subject to change without notice. Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 95%. Loans exceeding 95% LTV may be subject to higher rates. Rates are subject to change depending on the amount financed, loan term, loan-to-value (LTV), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs. Financing more than the vehicle’s value may result in a higher interest rate. Additionally, any change to the loan term and/or vehicle information, including the loan-to-value (LTV) ratio, may result in a rate change. Rate adjustments may apply, including +0.50% APR for vehicles with more than 100,000 miles and +0.30% APR for dealer-originated loans. Rate discounts may be available based on qualifying relationships and program factors. Eligible vehicles must meet program requirements, including a maximum of 150,000 miles. Vehicles with branded titles (e.g., salvage or lemon law), commercial/business use, or livery use are not eligible. Actual rates are disclosed to approved applicants in writing before loan consummation and may be as high as 17.99% APR. New Auto loan payment examples: 0-48 months: $23.18 per month per $1,000 at 5.19% APR for 48 months; 49-66 months: $17.49 per month per $1,000 borrowed at 5.19% APR for 66 months; 67-72 months: $16.30 per month per $1,000 borrowed at 5.34% APR for 72 months; 73-84 months: $14.48 per month per $1,000 borrowed at 5.64% APR for 84 months. Some vehicle transactions outside of California may not qualify. We recommend checking with us before buying out of state.

³ At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded, and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due. 

⁴ APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a maximum loan term of 60 months. Current rate will vary based on creditworthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from January 1, 2026 – December 31, 2026. This offer cannot be combined with any other offer other than those listed in this advertisement.

⁵ Patelco runs a “soft” credit pull to determine which offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit score.

⁶ After you submit a loan application, your Auto Loan rate disclosed is locked for 15 days from the date your loan is approved. Any change to term and/or vehicle information, credit history, account relationship, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.

⁷ LevelUp is offered to members who are approved for Patelco’s credit tier 2 or higher on an auto loan. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

⁸ Based on the America’s Credit Union’s Membership Benefits Study in Q4 2025. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account.