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个人贷款

免费的 up your budget and save with a low-rate loan. Know your rate and get pre-qualified in minutes.


固定利率+不收费= 大的储蓄

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.

产品的好处

任何需要的灵活贷款

Borrow up to $100,000 and flexible terms up to 7年

有竞争力的,固定的低利率

从9点开始收费.4月30%1

 

检查你的利率没有影响2

只需要几分钟 检查房价 with no impact to your credit score

简易网上申请

No loan origination fees and quick funding into your Patelco account

升级获得奖励3

Make consecutive online payments and 有资格获得贷款利率降低

债务及付款保障

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

个人贷款 利率

灵活的贷款利率和期限. 税率从2024年4月12日起生效

术语

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%

贷款 计算器

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.

常见问题

管理个人贷款

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:

  • 查询账户余额
  • 获取帐户详细信息
  • 转移资金
  • Send us secure messages about your loan
  • Make payments from your Patelco account
报名 管理个人贷款
在几分钟内获得资格预审
Know your rate without impacting your credit score.2

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.

比较

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