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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. 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.

How to Save

Flexible Rates & Terms

Rates as low as 8.50% APR1 and terms up to 7 years

Choose Your Loan Amount

Borrow up to $100,000

Easy Application

Applying only takes a few minutes

No Prepayment Penalties

No prepayment penalties or application fees

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


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 about LevelUp.

Flexible, fast and affordable options

Quick Access to Funds

Approved funds are deposited directly into your Patelco account.

Fixed Monthly Payments

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

Low Rates & Flexible Terms

Get a competitive rate with the terms you want.

See Rates

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.

1 APR (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

2 LevelUp 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. undefined


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