Buckle up – you’re already pre-approved!2 We’re here to help you finance your next car with ease and confidence. Learn more about our competitive rates, flexible terms, and get started with our fast online application below.
Apply nowChoose to delay your car payments for up to 4 months/120 days3
Save up to 1.00% APR4 (up to 72 months) when you buy from Enterprise Car Sales
Flexible and easy terms up to 84 months
View your rate here and adjust your terms to find the right monthly payment with no credit score impact5
15-day rate lock guarantee gives you time to find your perfect vehicle6
You’re pre-approved2 for a loan for vehicles 10 years old or newer
Our unique LevelUp program rewards you for on-time loan payments if you don’t qualify for the lowest rate available.7 Simply pay your auto loan on time and consistently, and we’ll automatically lower your rate up to 0.50% each year — up to 1.50%. There’s nothing you need to do to enroll – we handle it for you!
Every once in a while, I get a letter from Patelco saying that because I have made my payments on time, they're lowering my interest rate! What other bank or business voluntarily gives you a discount and helps you out like that?
Patelco Member Since 2013
Patelco Credit Union has partnered with Enterprise Car Sales to offer you a seamless purchase experience with financing options to fit your needs. Save up to 1.00% APR4, browse thousands of cars near you and easily schedule a test drive!
Do you own your car outright? Did you know you can refinance up to 100% of your car’s Kelley Blue Book value – getting cash out to pay off debt, cover other loans, and more? We have the right refinancing solutions to help make a big difference.
On average, loyal Patelco members saved over $1,500 during a 12-month period from better rates and lower fees8—now it’s your turn to save. Connect with a Patelco team member face-to-face online at our Virtual Branch.™
1 APR (Annual Percentage Rate). New auto purchase rates starting at 5.74% APR effective 03/14/2025; 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 relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. Loan payment example $23.38 per month per $1,000 borrowed at 5.74% APR for 48 months. For a refinance or new or used auto purchase, the minimum loan amount is $1,000 for a 1-year term, $5,000 for a 66-month term, $10,000 for a 72-month term, and $15,000 for an 84-month term.
2 We used information on you that we obtained from a consumer reporting agency in connection with this “Pre-approved” 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 used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. A full credit report screen will be processed upon submission of your application. This preapproval is only for vehicles 10 years old or newer, with less than 150,000 miles, and a non-salvage title. This pre-approval can be used to purchase or refinance a new or used vehicle. If refinancing or purchasing a 2024 or newer model, you may qualify for a lower rate.
3 At closing, you have the option to select up to 120 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 max loan term of 72 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 April 1, 2025 – June 30, 2025. 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 pre-qualification 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. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.
6 After you submit a loan application, your Auto Loan rate disclosed is guaranteed 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 a personal 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 Credit Union National Association Membership Benefits Study in Q4 2024 and rates and fees as of 03/17/2025. 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.
