Partner Colorado Credit Union

Partner Colorado Credit Union is a company that offers a variety of decent auto loans to suit most cases. It’s a long-standing operation, having been running since 1931, and today serves more than 32,000 members and has total assets exceeding $400 million dollars.

Partner Colorado Credit Union
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    How do Partner Colorado Credit Union auto loans work?

    Auto loan rates offered at Partner Colorado Credit Union are fairly reasonable, starting at 3.64% for all automobiles and 4.64% for motorcycles, with terms lasting up to 84 months and 72 months respectively.

    Credit score

    The terms you receive for your loan depend on your individual credit score. A less favorable rate is based upon the information contained in your credit report.

    How Much Can You Borrow?

    If you pass Partner Colorado’s eligibility test, it’s fine for you to take a loan for the full retail value of your car, and there seems to be no maximum. 

    What types of vehicles are eligible for financing?

    Partner Colorado Credit Union’s best auto loans cover most forms of vehicles, including cars, motorcycles, recreational vehicles, and boats. 

    How do I qualify?

    The Partner Colorado Credit Union has a variety of different ways in which you might be eligible for membership, as follows:

    • You’re a current or retired employee of the Colorado Post Office, Denver Water Organization, HealthONE Hospitals, any affiliated organizations or a family member
    • You’ve got an immediate family member or live in the household of a Partner Colorado member 
    • You live or work in Adams County, Denver County, Jefferson County, Douglas County or Arapahoe County
    • You’re 55 years or older and live within the Denver Metro area
    • You’re an employee of a restaurant or other business belonging to the Colorado Restaurants Association
    • You or an immediate family member work for a company that’s partnered with Partner Colorado, referred to as a Select Employee Group (SEG).

    What documents do I need?

    Make sure before beginning the process that you’ve got the correct documents prepared.

    You’ll need your driver’s license, social security number, and some proof of your eligibility in one of the above categories.

    What are the fees?

    It isn’t stated on the website that there are late payment fees, and credit unions often don’t charge these. However, it’s always worth asking when taking out your loan.

    How long does the loan process take?

    It’s a painless process to apply online, and shouldn’t take more than five minutes. After you’ve been approved, the loan should be in your account within one week.

    How to apply for an auto loan?

    There’s plenty of resources on the Partner Colorado Credit Union website to learn more, and you can contact the sales team via the phone if you don’t want to do your application online.

    What payment methods are supported?

    You can pay a few different ways, either by bank transfer, credit card, or on the phone. 

    Pros and Cons


    • Free financial consultation
    • Earn loyalty rewards


    • The criteria for qualifying is quite limited

    Is Partner Colorado Credit Union right for you?

    The Partner Colorado Credit Union could be the correct place for you to take out an auto loan, as it offers a decent service with lots of support. However, the tight range of criteria for eligibility means that you might not qualify. 

    An alternative lender that you’d be more likely to qualify for is Carvana, or even My Auto Loan. These sites offer competitive loan rates but don’t require affiliation since they’re not credit unions.