Woman in new car with keys

Your Credit Union is a great resource for loans for any need. We offer competitive rates, a variety of terms and a simple application process. Read more about the different types of loans we offer below, or give us a call and we’ll be happy to provide more information.

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New & Used Auto Loans

Finance your new or used car, truck, van, motorcycle or SUV with Patterson, and you’ll get the attention and service you deserve! You can also refinance your loan from another lender and potentially save money. We always have your best interests in mind; so you can trust the friendly staff at PFCU to help you get the best deal possible.

Dealer Direct Financing

Patterson Federal Credit Union has partnered with a select group of auto dealers throughout the state of Arkansas to offer auto loans through the dealership. Since most of your auto shopping takes place after PFCU’s business hours and on weekends, we wanted to provide a way for you to still purchase a vehicle when we are not open for business. ARCUSO financing, a Dealer Direct Financing program, allows you to purchase a vehicle outside of PFCU’s business hours and still finance with someone you know and trust. Just let your finance manager at the dealership know that you want ARCUSO financing with Patterson Federal Credit Union. The dealer has all of the necessary paperwork to process your credit union loan!

Recreation Loans

Ready to add to your leisure-time fun with a boat, personal watercraft, ATV or motor home? Let Patterson Federal Credit Union help you finance those dreams. We offer loans on new and used recreational vehicles. All our loans come with competitive interest rates and efficient, personalized service. When it's time to stop dreaming and hit the road or the water, come to Patterson FCU for your financing needs!

Farm Equipment Loans

If you farm for a living, you depend on your farm equipment every day. When it's time to replace your tractor, loader, etc., come to Patterson Federal Credit Union for the financing you need at attractive terms.


Personal Loans

A personal loan from Patterson Federal Credit Union can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events.

Credit Builder Loans

Members of Patterson Federal Credit Union who wish to establish or re-establish credit history may take advantage of our Credit Builder Loans. With a Credit Builder Loan, the amount the member borrows is deposited into their PFCU share account. The member makes regular payments on the loan, establishing a positive payment history we report to the credit bureau. As a result, the member’s credit score improves. A higher credit score translates into possible better rates on future loans.

Credit Builder Loan Features:

  • Loan amount of $500-$5,000
  • Term of 12-48 months
  • Loan funds are deposited into PFCU Savings account where it will earn dividends at the published dividend rate for this account.
  • Relationship discounts will apply.
  • Credit report will be obtained to aid in education and counseling.
  • Credit Builder Loan may not be refinanced.

Once loan has been repaid, the loan proceeds will be available for withdrawal by the member.

Share Secured Loan

With a Patterson Federal Credit Union share secured loan, your deposit in a Patterson Federal Credit Union share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you'll even continue to earn dividends on your savings!

Student Loans

Patterson Federal Credit Union offers a Smart Option Student Loan® by Sallie Mae® for borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

Click to see the features and benefits of our Smart Option Student Loan, and apply online!

* We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.