Patelco Credit Union
Patelco — auto refi from 5.39% APR with terms up to 84 months and up to 140% financing.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Patelco Credit Union does not publish this on their public site. "No restriction" means Patelco Credit Union explicitly states no limit.
Overview
Patelco Credit Union publishes a full auto refinance APR grid (effective July 15, 2026): 5.39% APR on terms up to 66 months, 5.49% APR for 67–72 months ($10,000 minimum for 72 months), and 5.79% APR for 73–84 months ($15,000 minimum for 84 months). The high end of all tiers is 17.99% APR.…
What’s great
- APR floor of 5.39% disclosed publicly with full term grid
- Up to 140% financing on a refi
- No application, origination, or prepayment fees
What to know
- Vehicles older than 10 years require manual underwriting
- $10k minimum for 72mo / $15k minimum for 84mo terms
- Membership eligibility required
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.39% – 17.99% (by term: 0–48mo 5.39%, 49–66mo 5.39%, 67–72mo 5.49%, 73–84mo 5.79% (low end); 17.99% high end) |
| Maximum vehicle age | 10 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Patelco membership required (eligibility-based; California-focused field of membership) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Patelco Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Patelco Credit Union before applying.
- [1]Patelco Auto Loan Refinancing — APR 5.39%–17.99% by term (rates effective 07/15/2026), terms up to 84 months, up to 140% financing (100% for cash-out), $10k min for 72mo & $15k min for 84mo, vehicles up to 10 years old — Patelco Credit Unionhttps://www.patelco.org/credit-cards-and-loans/auto-loans/auto-loan-refinancingLast checked: September 2026