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New Car Loans

2023年及更新车型的低利率和可负担的条款.

Interest Rate

Rates from 6.29% APR1

Loan Amount

Up to 140% financing

Term

Up to 84 months

Find and finance your new car with confidence

买一辆新车是令人兴奋的经历. 但在你开始幻想新车的味道之前, 重要的是要确保你为正确的融资做好了准备.

With our quick application process, competitive fixed rates, and car shopping tools, 我们帮助您轻松找到和融资您的车.

It’s easy to pre-qualify online. Get started by checking your rate with no impact to your credit.2 You’ll see your personalized rate, terms, 所有的付款细节都是预先准备的，这样你在购买之前就知道你能负担得起什么.

Now for the fun part! 我们已经与当地经销商合作，使您的购车搜索更容易. With your pre-approval in hand, 购买一辆完美的车，并拜访经销商, private party, 或在线搜索汽车与我们的免费 AutoSMART™ service.3

Car shopping and financing made easy

Fast online application

No origination fees and quick decision

Transparency, delivered

See your rate，贷款条款和月供，然后再购买

Rate lock guarantee

在您购物时获得安心，并确保您的费率长达15天4

Flexible terms

Up to 84 months

Budget-friendly payment options

90天内不付款的灵活性5

Insurance and payment protection

在发生机械故障、经济损失等情况下，为您的汽车投保 get your quote today.

New Auto Loan Rates

Rates Effective 06/07/2024

Term

Minimum Amount

APR Range1
0 to 48 months None 6.29% to 17.99%
49 to 66 months None 6.29% to 17.99%
67 to 72 months $10,000 For 72 Month Term 6.59% to 17.99%
73 to 84 months $15,000 For 84 Month Term 7.04% to 17.99%

Auto Loan Calculator

How much can I afford?

所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.

Frequently Asked Questions

Stress-free car buying

使用AutoSMART™研究和购买新车. 浏览当地经销商合作伙伴提供的数千款车型, compare safety features, trade-in values, price points and more.

Start Shopping Stress-free car buying
Pre-qualify for a new car loan

看到您的利率，条款和付款金额在几分钟内-没有影响您的信用评分.2

Check My Rate Pre-qualify for a new car loan

Recommended Resources

一定要探索我们的财务福利资源.

1 APR (Annual Percentage Rate). New Auto rates starting at 6.29% APR effective 06/07/2024; subject to change without notice. Patelco根据信用记录等因素提供一系列基本利率和折扣, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. 实际利率在贷款完成前以书面形式向获批准的申请人披露，实际利率可能高达17%.99% APR. 要了解有关费率、条款和会员独家折扣的更多信息，例如 Commitment Household, call 800.358.8228 or visit any Patelco branch.

New Auto loan payment examples: 0‑48 months: $23.68 per month per $1000 borrowed at 6.29% APR for 48 months; 49‑66 months: $18.01 per month per $1000 borrowed at 6.29% APR for 66 months; 67‑72 months: $16.90 per month per $1000 borrowed at 6.59% APR for 72 months; 73‑84 months: $15.16 per month per $1000 borrowed at 7.04% APR for 84 months.

2 Patelco运行一个“软”信贷拉动来确定你符合资格预审的条件. This doesn’t affect your credit score. 如果您选择继续进行贷款申请, Patelco将要求您从一个或多个信用报告机构获得完整的信用报告. 这将是一个“硬”拉，可能会影响你的信用. If necessary, 我们也可能与第三方分享您的某些信息, like our insurers, to process your request.

3 本页上的AutoSMART™链接将导致您离开Patelco Credit Union网站. 尽管帕特尔科与许多合作伙伴密切合作, 第三方网站可能提供不同的隐私政策和安全级别. 有关更多信息，请查阅本网站的隐私政策. 帕特尔科信用合作社在法律上不代表本网站的经营者或帕特尔科会员, 这两家公司应该进行交易吗. 我们对可用性也不承担法律责任, viewpoints, products, 或您即将访问的网站上提供或表达的服务.

4 After you submit a loan application, 您所披露的汽车贷款利率保证从您的贷款批准之日起15天. 任何期限和/或车辆信息的更改, credit history, account relationship, 和Patelco促销折扣或计划可能会导致价格变化. 您的最终费率将以书面形式向您披露.

5 At closing, 你可以选择在你的新车或二手车贷款中选择最多90天的延期付款. 实际天数将视贷款条款而定. 你的汽车贷款的利息将在贷款获得资金之日开始，第一次付款将适用于从贷款获得资金之日起到第一次付款日，然后到本金到期的利息.

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