Gain confidence in your future.

“Patelco gave us a debt consolidation loan when we needed it the most—we’re set to pay it off in a year! ” – Christin, Patelco Member

Switch to Save with a Patelco Personal Loan

Pay off higher interest rate credit cards, use for large expenses such as home improvement, tuition, medical bills and more. See how much you could save with our debt consolidation calculator.

With a low, fixed interest rate and affordable monthly payment, you can have peace of mind that you’re making the right choice for a better financial future.

  • Rates as low as 8.50% APR1
  • Terms up to 7 years
  • Borrow up to $100,000
  • Easy online application process
  • Quick access to funds
  • No prepayment penalties or origination fees

Apply Now


Worried you won’t qualify for a low rate upfront? No problem! We’ll automatically lower your rate up to 0.50% APR each year for making 12 months of payments on time for a maximum of 1.50% APR over the life of your loan.2

Learn More

We’re here for you

Whether you want to discuss your loan options or calculate how much you can save and afford with your monthly budget, we can help.

  • Schedule a virtual appointment
  • Find a branch near you to make an in-person appointment for faster service as social distancing limits the number of people in the branch

Better rates for better financial well-being

As one of the largest member owned, not-for-profit credit union in Northern California, Patelco gives our profit back to our members with some of the best rates around. See for yourself.3

Patelco Personal Loan SoFi Personal Loan Discover Personal Loan
Annual Percentage Rate (APR) 8.50% – 17.90% 8.99% – 25.81% 6.99% – 24.99%


Plus, you have the option to add debt protection coverage to protect yourself against the unexpected, such as involuntary unemployment, disability, or death. Ask us how.

Personal Loans and Lines of Credit have these

Financial education tools and seminars

Our mission is to help you build your financial well-being

No application fees

No application fees

No Prepayment Penalties

We won’t charge you for paying off your loan early.

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Quick and easy loan application

Quick and easy loan application

Unlimited Online Bill Pay

Flexibility to pay your bills online quickly and securely

1APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 10/04/2023. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, loan term, and Patelco account relationship. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.90% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. The APR range is 8.50% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 8.50% with no origination fee and make 36 monthly payments of $316.19, your finances charges will be $1,382.55 which would make your total repayment amount $11,382.55

2LevelUp is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. 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.

3Information on SoFi and Discover personal loans as of 06/20/2023. See websites for details, terms and conditions: and


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