Buying a new car is an exciting experience. But before you start dreaming of that fresh new car smell, it’s important to ensure you’re set up for the right financing.
通过我们快速的申请流程, 有竞争力的固定费率, 以及购车工具, we help you find and finance your car with ease.
网上预审资格很容易. 开始吧 查看房价 对你的信用没有影响.2 您将看到您的个性化费率, 条款, and payment details all upfront – so you know what you can afford before you buy.
现在是有趣的部分! We’ve partnered with local dealers to make your car buying search easier. 有了你的预先批准, shop for the perfect ride and visit a dealership, 私人派对, 或在线搜索汽车与我们的免费 汽车SMART™ 服务.3
没有原创费和快速决定
看你的价格, 贷款期限s and monthly payment before you buy
Get peace of mind while you shop, and secure your rate for up to 15 days4
最长84个月
Flexibility to make no payments for up to 90 days5
Cover your car in the event of mechanical breakdowns, financial loss and more — 今天获得报价.
税率自2024年3月22日起生效
|
术语 |
最少 |
4月范围1 |
|---|---|---|
| 0至48个月 | 没有一个 | 6.64% to 17.99% |
| 49至66个月 | 没有一个 | 6.69% to 17.99% |
| 67至72个月 | $10,000, 72个月期限 | 6.79% to 17.99% |
| 73至84个月 | $15,000, 84个月期限 | 7.24% to 17.99% |
我能负担多少?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and 条款 displayed.
We work with many trusted dealerships throughout California. 以下是检查方法:
Research and shop for a new vehicle with 汽车SMART™. Browse through thousands of models from local dealer partners, 比较安全特性, 以旧换新值, 价格点等.
看你的价格, 条款 and payment amount within minutes – 对你的信用没有影响 score.2
Be sure to explore our financial well-being resources.
1 APR(年度百分比利率). 新的自动费率从6开始.从2024年3月22日起，年利率为64%; 如有更改，恕不另行通知. Patelco offers a range of base rates and discounts that depend on factors such as 信用记录, 贷款期限, Patelco账户关系, 车辆行驶里程, 贷款金额和车辆年龄. 可能会有额外折扣. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.4月99%. To learn more about rates, 条款, and exclusive discounts for members, such as 家庭的承诺,叫 800.358.8228 或参观任何一家Patelco分公司.
新的汽车贷款支付例子: 0 - 48个月:23美元.每借1000美元每月84美元.4月64% for 48 months; 49‑66 months: $18.每借1000美元每月20美元.69% APR for 66 months; 67‑72 months: $17.每1000美元每月6美元.79% APR for 72 months; 73‑84个月: $15.每借1000美元每月26美元.84个月，年利率24%.
2 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. 这不会影响你的信用评分. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. 如果有必要的话, we may also share certain information about you with third parties, 比如我们的保险公司, 处理您的要求.
3 The 汽车SMART™ links on this page will cause you to leave the 帕特尔科信用合作社 website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website’s 隐私政策 for additional information. 帕特尔科信用合作社 does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, 观点, 产品, or 服务s offered or expressed on the site you are about to visit.
4 在您提交贷款申请之后, your 汽车贷款 rate disclosed is guaranteed for 15 days from the date your loan is approved. Any change to term and/or vehicle information, 信用记录, 账户的关系, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.
5 在关闭, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the 条款 of the loan. 感兴趣 will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.
