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Credit union
Patelco Credit Union auto loan rates compared
Independent comparison. JustAutoRates is not affiliated with Patelco Credit Union. To apply, visit patelco.org.
California · Headquarters California
Live or work in California or qualify through a membership group; membership required
Rate page on patelco.org
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
5.19%–17.99%
LTV 95% or less
as low as 5.19% APR
Credit union · New · Up to 48 months
California
Published as Up to 48 months, not as a single monthly term.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
Checked Nov 10, 2026 · Source patelco.org
5.29%–17.99%
LTV 95% or less
as low as 5.29% APR
Credit union · New · 49–66 months
California
Published as 49–66 months, not as its own 66-month price.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Checked Nov 10, 2026 · Source patelco.org
5.39%–17.99%
LTV 95% or less
as low as 5.39% APR
Credit union · Used · Up to 48 months
California
Published as Up to 48 months, not as a single monthly term.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
Checked Nov 10, 2026 · Source patelco.org
5.39%–17.99%
LTV 95% or less
as low as 5.39% APR
Credit union · Refinance · 48 months
California
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised bucket ending at 48 months.
Checked Nov 10, 2026 · Source patelco.org
5.44%–17.99%
LTV 95% or less
as low as 5.44% APR
Credit union · New · 67–72 months
California
Published as 67–72 months, not as its own 72-month price.
Minimum loan $10,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
Checked Nov 10, 2026 · Source patelco.org
5.49%–17.99%
LTV 95% or less
as low as 5.49% APR
Credit union · Used · 49–66 months
California
Published as 49–66 months, not as its own 66-month price.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 49 to 66 months.
Checked Nov 10, 2026 · Source patelco.org
5.49%–17.99%
LTV 95% or less
as low as 5.49% APR
Credit union · Refinance · 66 months
California
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised bucket ending at 66 months.
Checked Nov 10, 2026 · Source patelco.org
5.59%–17.99%
LTV 95% or less
as low as 5.59% APR
Credit union · Used · 67–72 months
California
Published as 67–72 months, not as its own 72-month price.
Minimum loan $10,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 67 to 72 months.
Checked Nov 10, 2026 · Source patelco.org
5.59%–17.99%
LTV 95% or less
as low as 5.59% APR
Credit union · Refinance · 72 months
California
Minimum loan $10,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; advertised bucket ending at 72 months.
Checked Nov 10, 2026 · Source patelco.org
5.74%–17.99%
LTV 95% or less
as low as 5.74% APR
Credit union · New · 73–84 months
California
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 73 to 84 months.
Checked Nov 10, 2026 · Source patelco.org
5.89%–17.99%
LTV 95% or less
as low as 5.89% APR
Credit union · Used · 73–84 months
California
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 73 to 84 months. The table's 'Range of APR' column lists 5.89%-17.99%; a 'Low Rate' field on the same row showed 5.79. The Range of APR figure was recorded.
Checked Nov 10, 2026 · Source patelco.org
5.89%–17.99%
LTV 95% or less
as low as 5.89% APR
Credit union · Refinance · 73–84 months
California
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
What the lender published
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Same used-auto / refinance table; 73 to 84 months.
Checked Nov 10, 2026 · Source patelco.org
