Service - Patelco Auto Buying

If you purchase a certified used vehicle through Enterprise Car Sales , you can receive an additional 1.00% APR discount off your loan rate.

The centerpiece of the service is the AutoSMART platform. Instead of driving from lot to lot, you can browse thousands of new and used cars from local dealer partners online.

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.

Loans are available for up to 84 months, with options for down (up to 140% financing on new models). 3. Stack Your Member Discounts If you purchase a certified used vehicle through

Are you ready to see what you can afford? You can use Patelco's car loan calculator to estimate your monthly payments before you start browsing.

You can check the Kelley Blue Book value for used vehicles directly on the site to ensure you are getting a fair deal. 2. Lock in Your Rate Before You Shop If your budget gets tight, you can use

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