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Patelco Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 16 October 2023
Fact checked

Patelco Credit Union auto loans overview

Patelco Credit Union logo

Patelco Credit Union offers flexible auto financing across Northern California, including Bay Area, Sacramento, and San Jose. Members can apply for as low as 6.19% APR with repayment periods of up to 84 months. Patelco has options for motorcycle, boat, motorhome, and travel trailer loans, too.

Want to see what a Patelco auto loan will cost? Try the Patelco Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Patelco Credit Union auto loan features

  • Minimum loan amount: $10,000 for a 72-month term and $15,000 for an 84-month term.
  • Maximum loan amount: Up to 140% financing.
  • Interest rates: From 6.19% to 17.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees and origination fees.
  • Discounts: Rate discounts for on-time payments and purchases made with Enterprise.

PATELCO CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Patelco offers up to 140% financing for pre-owned and new cars with terms extending up to 84 months. For as low as 6.19% APR, you can fund 2022 and newer models. Then, used auto loans range from 6.44% to 17.99% APR.

Boat, motorhome, and travel trailer loans

Loans for boats, motorhomes, and travel trailers are also available at Patelco Credit Union. The starting rate for 2022 and newer models is 6.95% APR. Meanwhile, used models (2013 to 2021) range from 7.45% to 18.75% APR.

Motorcycle loans

You can also secure your two-wheel ride with Patelco. For a minimum loan of $1,000, you can finance new and used motorcycles for up to 60 months. Interest rates can range from 7.25% to 17.05% APR.

Patelco Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Patelco Credit Union, California

Patelco Credit Union, California auto loan

Patelco Credit Union, California auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Patelco Credit Union, California auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Patelco auto loan

Eligibility criteria

Even if Patelco Credit Union doesn’t list the exact criteria for auto financing, you should normally be:

  • 18 years old or older
  • A legal resident
  • A Patelco member
  • Employed or have a steady source of income

Remember that your rates and terms depend on several factors, including your credit history. So, try to keep a high credit score and a low debt-to-income ratio (DTI). These will show lenders your capability to manage your debts, so you can boost your chances of securing favorable loans.

How to join Patelco Credit Union

To become a Patelco member, you should:

  • Live, work, attend school, or worship in one of the eligible counties in California, Bakersfield, Eureka, McKinleyville, or Santa Cruz
  • Be an immediate family member of a current Patelco member
  • Be enrolled or an alumnus of the University of California Berkeley, San Francisco State University, or California State University East Bay
  • Be employed by a Patelco sponsor company

What you’ll need to have ready

Personal details

When you apply for auto financing with Patelco Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Patelco with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing the documents, try to check out how to get a car loan, too. Gaining insights into the process can make the loan application simpler and quicker for you.

Ways to apply for a Meriwest CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-358-8228

Additional Patelco Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: 1% APR off when you shop with Enterprise and a discount of up to 1.50% APR when you make on-time payments.
  • Repayment frequency: Monthly.
  • Late payment fees: $5 or 3% of the payment due.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, in a branch, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Less than 10 calendar years old.
  • Maximum vehicle mileage: 150,000 miles.
  • Other vehicle restrictions: Branded titles and specific brands of commercial vehicles.

PROS AND CONS

Pros

  • Competitive rates.
  • Extended repayment periods.
  • Option for no car payments for 90 days.
  • Co-applicants allowed.
  • Up to 140% financing.
  • 1% APR discount with Enterprise.
  • Up to 1.50% APR for on-time payments.
  • Guaranteed rate lock for up to 15 days.
  • No origination fees, application fees, and prepayment penalties.
  • Convenient auto-buying services offered.
  • Quick online prequalification without impact on credit scores.
  • Purchase, refinance, and lease buyout available.
  • Optional insurance and payment protection offered.

Cons

  • Membership required.
  • Branded titles and commercial vehicles ineligible for financing.
  • Late payment fees.
  • Poor credit scores may result in higher interest rates.

FREQUENTLY ASKED QUESTIONS

Does Patelco finance vehicles outside of California?

Yes. Patelco offers out-of-state financing at select dealerships and on specific refinance transactions. To qualify, you should be a Patelco member for at least 6 months.

Can I apply for a Patelco Credit Union auto loan online?

You can apply for a car loan at Patelco Credit Union online.

Are there discounts available on Patelco vehicle loans?

Patelco offers 1% APR discounts when you shop with Enterprise and up to 1.50% off your APR when you make on-time payments.

How much interest does Patelco charge on vehicle loans?

New vehicle loans start at 6.19% APR, while used vehicle loans range from 6.44% to 17.99% APR.

Are Patelco auto loan interest rates fixed or variable?

Patelco Credit Union offers car loans with fixed interest rates.

What is the maximum length of a Patelco Credit Union auto loan?

Auto loan terms can be up to 84 months.

Will applying for an auto loan with Patelco Credit Union affect my credit score?

When you get prequalified, Patelco will only run a soft credit check, which doesn’t affect your credit score. But if you continue with the loan application, the credit union will make a hard credit check. This will temporarily ding your score by a few points, but you can build it back by consistently meeting your monthly payments.

Video: Meet Taylor

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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