Credit union · NCUA insured
Patelco Credit Union Auto Loan Rates
Patelco Credit Union auto loans start at 5.19% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Patelco Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Patelco Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Patelco Credit Union
5.19%APR
- Terms
- 49–66 months
- Up to
- 17.99% APR
- Discount
- None included
New Car Loans
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Patelco Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Patelco Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinancing
Up to 140% financing for standard refinance or up to 100% Kelley Blue Book value for cash-out refinance. Rates shown with financed LTV of 95%; exceeding 95% LTV may be subject to higher rates. Vehicle mileage over 100k adds 0.50% to rate. 15-day rate lock. No application, origination, or pre-payment fees. LevelUp rate reduction eligibility for on-time payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.39%–17.99% | No minimum loan amount specified. |
| 49–66 months | 5.39%–17.99% | No minimum loan amount specified. |
| 67–72 months | 5.49%–17.99% | $10,000 minimum loan amount for 72-month term. |
| 73–84 months | 5.79%–17.99% | $15,000 minimum loan amount for 84-month term. |
Sources (2)
- patelco.org/credit-cards-and-loans/auto-loans
- patelco.org/credit-cards-and-l…ns/auto-loan-refinancing
All captured Oct 6, 2026
New Car Loans
Rates shown for Loan-to-Value (LTV) up to 95%; loans exceeding 95% LTV may have higher rates. Up to 140% financing available on 2025 and newer models. 15-day rate lock upon approval. Option to defer payments up to 90 days at closing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.19%–17.99% | No minimum loan amount specified. |
| 49–66 months | 5.19%–17.99% | No minimum loan amount specified. |
| 67–72 months | 5.34%–17.99% | $10,000 minimum loan amount for 72-month term. |
| 73–84 months | 5.64%–17.99% | $15,000 minimum loan amount for 84-month term. |
Sources (3)
- patelco.org
- patelco.org/credit-cards-and-loans/auto-loans
- patelco.org/credit-cards-and-l…auto-loans/new-car-loans
All captured Oct 6, 2026
Used Auto Loans
For vehicles up to 10 years old and 150,000 miles. Rates shown with financed LTV of 95%; exceeding 95% LTV may have higher rates. Up to 140% financing. Vehicle mileage over 100k adds 0.50% to rate. 15-day rate lock upon approval. Option to defer payments up to 90 days at closing. Enterprise Car Sales discount of 1.00% APR available for terms up to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.39%–17.99% | No minimum loan amount specified. |
| 49–66 months | 5.39%–17.99% | No minimum loan amount specified. |
| 67–72 months | 5.49%–17.99% | $10,000 minimum loan amount for 72-month term. |
| 73–84 months | 5.79%–17.99% | $15,000 minimum loan amount for 84-month term. |
Sources (2)
- patelco.org/credit-cards-and-loans/auto-loans
- patelco.org/credit-cards-and-l…uto-loans/used-car-loans
All captured Oct 6, 2026
Who can join Patelco Credit Union
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