Patelco Auto Buying Service Instant

Once you find a rate you like, Patelco offers a 15-day rate-lock guarantee, giving you two weeks to shop with peace of mind.

If your budget gets tight, you can use the Skip-A-Pay feature twice a year to postpone a monthly payment. Summary of Benefits (as of April 2026) New Car Loans Used Car Loans Starting APR Max Term First Payment No payments for up to 90 days No payments for up to 90 days Price Protection Member Purchase Certificate Member Purchase Certificate Pro-Tip: The "Out-of-State" Rule patelco auto buying service

Once you find a car you like, you can print a certificate that locks in your member-only price before you even step foot in the dealership. Once you find a rate you like, Patelco

Driving Away the Stress: How to Use the Patelco Auto Buying Service Driving Away the Stress: How to Use the