Loan Payment Services
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Use Fast Pay to make a one-time payment – no login or password required.
Set up recurring loan payments with your Patelco Online™ account today.
Call 800.358.8228 to pay by phone, 24 hours a day, 7 days a week.
Are you experiencing financial hardship or having trouble making payments? Explore our member relief and payment support center where you’ll learn more about loan modification programs for auto and personal loans, credit cards and mortgages.
You’ve got a payment to make, and we’ve got options – including phone and digital payments that can be made 24/7 with no fee.
Online Banking | Mobile App | Fast Pay | Phone - Automated | Phone - Assisted | Branch | ||
|---|---|---|---|---|---|---|---|
| Fee | $0 | $0 | $0 | $0 | $10 | $0 | $0 |
| Cutoff for same-day payment | 1pm PT | 1pm PT | 7pm PT | 7pm PT | 7pm PT | Branch closing time | Check received before 5pm PT |
| Pay from a Patelco account | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
| Pay from an external account | ✔ | ✔ | ✔ | ✔ | ✔ | ||
| Check1 | ✔ | ✔ | |||||
| Cash | ✔ | ||||||
| Set up recurring payments | ✔ | ✔ |
You can easily transfer money from a checking or savings account at another credit union or bank to pay your Patelco loan. We’ll credit payments the same day if made before 1pm PT on a business day.
You can easily set up automatic, recurring payments for your Patelco loan – from either a Patelco account or from an external checking or savings account. We’ll credit payments the same day if made before 1pm PT on a business day.
You can easily transfer money from a Patelco checking or savings account to pay your Patelco loan. We’ll credit payments the same day if made before 3pm PT on a business day.
Watch this quick demo for step-by-step instructions:
With Fast Pay, you can quickly make same day payments online until 7pm PT without having to create a login or password. There is no fee to use this service and payments can be debited from your Patelco account or an external bank account.
To make a payment with Fast Pay, you’ll need your Patelco Member Number (which can be found on your monthly statement), and the routing number and account number from the bank account you wish to use.
No. Fast Pay is separate from Patelco Online™ and does not require a username or password. Each time you use Fast Pay, you will need to verify your identity by inputting your Patelco Member Number and the last four digits of the Social Security Number of the primary account holder on your loan.
Fast Pay is available for quick same-day online payments only. If you want to make online payments in advance or set up automatic payments on your loan, we recommend using Patelco Online™ or the Patelco Mobile App.
No. You will only need to enter your bank account details once and save it for future use.
We’ll send you an email confirmation with your payment details. If your payment is made before 7pm PT, your account will be debited within the same day.
With automated payments by phone, you can make payments 24/7 with no fee – and we’ll credit payments the same day if made before 7pm PT.
Making phone payments from an external account
Find your Patelco Member Number and 2-digit loan number by signing in to online banking, selecting Accounts from the main menu, and then selecting Statement & Documents. Tap or click on the statement for your loan.
Making phone payments from a Patelco account
During our business hours, we can help you make a payment by phone using your Patelco account or an external account, for a $10 fee.
Find your member number by hovering to Accounts in the main menu, then selecting Statements & Documents.
Visit one of our local branches to make a loan payment using your Patelco account, a check, or cash. We’ll credit your payment the same day.
We accept loan payments by mail via check. Send loan and credit card payments to: Patelco Credit Union, PO Box 2227, Merced, CA 95344
Make sure to include your Member Number and 2-digit loan suffix when sending your payment by mail. These numbers are on your monthly statement – find them now by signing in to online banking, hovering over Accounts in the main menu, and then selecting Statements & Documents.
Yes. If you have a Patelco mortgage, HELOC, auto loan, personal loan or recreational vehicle loan and want to close it, you can easily pay off your loan within online banking (after which we’ll close it). You can also pay down your HELOC to a zero balance and keep it open. Simply log in and hover over Transfer & Pay in the main menu, and then tap or click on Loan Payoff. Then select the account you’d like to make a payment from and the loan account you’d like to pay off. (If the account is a HELOC, we’ll also show an option for paying it down to zero, keeping it open, versus paying it off and closing the account.)
To pay off any other loan types, please visit a branch or call us at 800.358.8228.
Payments made by phone or with Fast Pay will be credited the same day if made before 7pm PT on business days. Any payments made on a holiday, weekend, or after 7pm will be credited the following business day.
Payments made online will be credited the same day if made before 1pm PT on business days. Any payments made on a holiday, weekend, or after 1pm will be credited the following business day.
Payments made in a branch using cash, checks, money orders or transfers from Patelco share accounts will be credited the same business day (or the next business day if made on a Saturday).
Refer to the chart above for more information.
If you want to make a payment by phone, have your member number and 2-digital loan number ready. Find your member number and 2-digit loan number by hovering over Accounts in the main menu, then selecting Statements & Documents in Patelco Online™.
If you’re making a payment using an external account, you will also need to have that account’s routing number and full account number.
Yes, hover over Transfer & Pay from the main menu and select Transfer or Loan Payment. Add an external account to enter your account information.
We do not charge a fee for online ACH transfers. We do not charge a fee for making a phone payment using our automated phone system; payments made by talking to a Patelco team member by phone to manually create a transfer may result in a fee. Automated phone payments made before 7pm PT will post the same business day; automated phone payments made on weekends or after 7pm PT will post the next business day. Payments via transfer from an external account made online before 1pm PT will post the same business day; online transfers from an external account made on weekends or after 1pm PT will post the next business day. Initial setup of online transfers from an external account may take up to 3 business days; initial setup is required before ACH payments and/or transfers can be made.
1 Due to changes with the US Postal Service, mailed checks may now take longer to reach us. We suggest using a digital method to assure timely payment.
