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AUTO
Auto Loans
loans
A Low Interest Rate Car
Loan From People Who
Won’t Steer You Wrong.
Patelco can meet or beat the big banks’ rates.
Plus, as a credit union, we’re looking out for you
– not Wall Street shareholders. That translates
to offering you the same low rates on used cars
as new cars. Not to mention, we can even help
you find the car you want through our extensive
network of auto dealers.
Mailing Address
P.O. Box 8020
Pleasanton, CA 94588
Web Address
patelco.org
Toll-Free Nationwide
800.358.8228
Locations
Find a Patelco branch,
free CO-OP ATM,
or Credit Union Shared
Service Center
patelco.org/locations
Auto
Online Banking
Auto Equity
patelco.org/onlinebanking
Call-24 Telephone
Banking
888.766.2424
Lost or Stolen
Credit Card?
800.358.8228
MAP Auto
Buying Service
patelco.org/MAP
800.757.2706
Credit Union
Direct Lending
patelco.org/autosmart
Questions or
Comments?
Send us an email.
patelco@patelco.org
Motorcycle Boat & RV
Auto Buying Service
GAP & MBI
CUDL + Autosmart
want to know more?
call 800.358.8228 or visit patelco.org/auto
Federally insured by NCUA
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AUTO
loans
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At Patelco, we think auto loans should be low interest
AND low stress. So our application process is fast and
easy. Plus, we offer:
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The same low rates for new AND
used vehicles up to six years old.
Flexible down payment and repayment terms,
allowing you to finance your entire purchase
price and customize your payments.
Car Shopping
& Insurance
Members Advantage Plus (MAP)
Free Auto Buying Service
With MAP, Patelco can search our network of over 500
California dealers to find the exact vehicle you want. Then
we can guide you through the financing process and
purchase of your vehicle. On top of that, we can actually
deliver the vehicle to your doorstep in most cases...all at
no cost to you!
Credit Union Direct Lending
(CUDL) + Autosmart
CUDL has partnered with hundreds of California auto
dealers to make the purchase and loan process easier
for our members. To find a CUDL dealer near you, visit
patelco.org/autosmart.
Debt Protection
The freedom to use your loan to buy from
a dealer or private party, buy out a lease,
or refinance the vehicle you currently drive.
If an emergency arises, like death, disability, or involuntary
unemployment, your payment may be covered through
Patelco Debt Protection.
Guaranteed Auto Protection (GAP)
Auto Equity Loans
This loan offers all the same benefits as our standard
auto loan but leverages the equity in your home,
which may provide additional savings by making your
interest tax deductible1. There is no appraisal necessary,
but the Auto Equity Loan is available to California
homeowners only.
By covering the difference between your car’s market value
and the amount you owe, GAP gives you a unique degree
of protection against your car being totaled or stolen.
Auto Insurance
By leveraging a network of more than 35 major auto
insurance carriers, Patelco will likely save you hundreds
of dollars a year on auto insurance.
Boat, RV, & Motorcycle Loans
Mechanical Breakdown Insurance (MBI)
Patelco offers loans for just about anything you
can drive with low monthly payments and flexible
repayment terms.
With Patelco’s MBI, you may not be liable for any out-ofpocket expenses for major repairs. Plus, you’ll have
access to 24/7 roadside assistance and more.
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Consult a tax professional for all tax-related details.
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nExT
steps
New Auto
Loans &
Refinancing
Getting Pre-Approved
A Patelco loan pre-approval allows you to
shop with confidence, knowing exactly what
terms, rates and purchase price are right for
you. To start the pre-approval process, call
800.358.8228 or visit patelco.org/auto.
Helpful Hints
Here are some resources and advice to keep
in mind as you shop for your car and loan:
Need to know current interest rates?
Visit patelco.org/rates.
Need help figuring out what price range
and loan terms are right for you? Consult
our online auto loan calculators at
patelco.org/calculators.
Want to know how you can reduce your
interest rate through MAP, CUDL, and other
means? Visit patelco.org/auto.
Considering 0% dealer financing? Beware,
the terms may end up being very difficult
to meet.
patelco.org/auto
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