We’re committed to keeping our members on the path to financial wellbeing. Whether your goals include consolidating higher interest debt, 改善家居环境, 或者只是释放现金, switching to save with a low-rate Patelco 个人贷款 can help you get there. 马上申请.
Borrow up to $100,000 and flexible terms up to 7年
从9点开始收费.4月30%1
只需要几分钟 检查房价 with no impact to your credit score
No loan origination fees and quick funding into your Patelco account
Make consecutive online payments and qualify for loan rate reductions
付款保障保险 cancels your loan payments or loan balance, 达到合同最大值, 如果你失业了, 残疾或去世
灵活的贷款利率和期限. 税率从2024年4月12日起生效
|
术语 |
量 |
4月范围1 |
|---|---|---|
| 三十六个月 | $300 to $100,000 | 9.30% to 17.90% |
| 37-48月 | $300 to $100,000 | 9.95% to 17.90% |
| 49-60月 | $300 to $100,000 | 10.20% to 17.90% |
| 61 - 72个月 | $20,000 to $100,000 | 10.70% to 17.90% |
| 73 - 84个月 | $30,000 to $100,000 | 11.20% to 17.90% |
我的贷款还款额是多少?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
切换到保存 with Patelco is a smart choice. By bringing your debt together into one low-rate loan, you can look to save big and benefit from fixed, 可控的支付. +, we don’t charge loan origination fees or balance transfer fees. 比较 your current debt and payments using our calculator. It only takes a few minutes to calculate your savings. Get started >
As you make strides on improving your credit and paying down loans, we want to be there as your partner. For members that don’t qualify for our best loan rates, we offer this special opportunity as you make on-time payments.
By simply paying your personal loan on time and consistently, we’ll automatically lower your rate up to 0.每年50%. These rate reductions can reduce the amount of interest charged, pay down the principal loan balance faster, and save you money over the life of your loan. Learn more >
If you have any questions about your personal financial situation, need guidance on consolidating debt or want help finding the right loan product, 我们的虚拟分行™ is available for immediate service and appointments during business hours. Learn more >
是的. 透过以下方式付款 Patelco在线™ or the 手机应用程序 from your Patelco account will be applied the same day. See all your options >
We provide several options to assist members who face financial difficulty in meeting their loan obligation. 请访问 经济困难援助 了解更多.
Patelco在线™ helps you stay up to date on all your personal loan details. 我们让它变得简单和安全:
1 4月 (Annual Percentage Rate) 利率 offered effective 04/12/2024. and are subject to credit approval. 4月s range based on factors including credit type, 贷款期限, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. 提供 可能更改的费率. For more information, visit patelco.网址，请致电800.358.8228，或停在树枝旁. 年利率范围是9.30% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39
2 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. 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 LevelUp is offered to members who are approved for Patelco’s credit tier 2 or higher on a personal loan. 总折扣高达1.50% 4月 (Annual Percentage Rate) applied in 0.50% 4月 increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final 4月 to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.
