For members in credit tier 2 or higher, on-time payments can earn you rate reductions of up to 1.50% APR over time.
One of the best ways to keep the upper hand at a dealership is arriving with your financing already settled.
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 you purchase a certified used vehicle through Enterprise Car Sales , you can receive an additional 1.00% APR discount off your loan rate.
If you find a dream car across state lines, keep in mind that Patelco generally requires you to be a member for at least to qualify for out-of-state financing.
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
