Auto Loan Rates

Rates as of 09/11/2025. Rates subject to change without notice.

Amount Financed: Some applicants may require a down payment.

Standard passenger vehicles only, no commercial vehicles or vehicles for hire will be considered. No Lemon Law buybacks or grey/salvage titles. Vehicles for commercial use or used to transport passengers for compensation, including but not limited to vehicles used as taxicabs or for ride-sharing, are not eligible. Other restrictions apply.

¹All rates and payment examples listed include a rate discount for using the Cal Coast Auto Buying Service powered by TrueCar at https://calcoastcu.truecar.com or New Cars Inc (NCI), our personalized concierge auto buying service. California Coast Credit Union (CCCU) does not endorse or encourage the products or services offered by these vendors and urges members to conduct their own due diligence. All loans are subject to credit and collateral approval. Advertised rates reflect our lowest Annual Percentage Rate (APR) as of 08/29/2025 and include the auto buying service discount. Rates are subject to change without notice. Vehicle loan rates with the Cal Coast Auto Buying Service/NCI discount are currently as low as 4.28% APR, depending on credit history, loan term, and vehicle model year. The “as low as” rate applies to model years 2022 and newer. To qualify for the discount, you must use the Cal Coast Auto Buying Service or NCI and either fund the purchase of a vehicle from a certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate) or purchase a vehicle from NCI and finance it through CCCU. The Savings Certificate must be generated prior to purchase and no more than 90 days before loan funding. Loans are initially set up without the discount; once the purchase is verified, the discount will be applied retroactively to the loan’s effective date. The discount is 0.50% off the approved interest rate for loan terms up to 66 months and 0.25% off for terms of 67 months or longer. Discounted rates are available for purchases only and are not valid for refinances or lease buyouts. Discounts cannot be combined with other promotional offers. Please allow 10–15 business days after funding for processing and application of the discount.

Annual Percentage Rates (APR) listed are our best rates and may be higher based on credit history. All loans subject to approval. Restrictions apply.

Model Years 2022 or Newer

For model years 2022 or newer, the estimated monthly payment is $36.36 per $1,000 borrowed for up to 29 months at 4.28% APR, $30.10 for 36 months at 5.28% APR, $23.16 for 48 months at 5.28% APR, $17.54 for 66 months at 5.38% APR, $15.89 for 75 months at 5.73% APR, and $15.01 for 84 months at 6.83% APR. Offer is valid for all 2022 or newer model years up to 66 months. Terms of 75 months require a minimum loan amount of $12,000, and terms of 84 months require a minimum loan amount of $25,000.

Maximum Term: Offer good for all 2022 or newer model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $25,000 and above.

Model Years 2017 - 2021

For model years 2017 to 2021, the estimated monthly payment is $36.81 per $1,000 borrowed for up to 29 months at 5.28% APR, $30.55 for 36 months at 6.28% APR, $23.61 for 48 months at 6.28% APR, $18.00 for 66 months at 6.38% APR, and $16.37 for 75 months at 6.73% APR. Offer is valid for all 2017 to 2021 model years up to 66 months. Terms of 75 months require a minimum loan amount of $12,000.

Maximum Term: Offer good for all 2017 - 2021 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Model Years 2016 or Older, Classic/Exotic/Specialty Vehicles 

For Model Years 2016 or Older, Classic/Exotic/Specialty Vehicles the estimated monthly payment is $31.23 per $1,000 borrowed for 36 months at 7.78% APR, $24.31 for 48 months at 7.78% APR, $18.72 for 66 months at 7.88% APR, and $17.10 for 75 months at 8.23% APR.

Maximum Term: Offer good for all model years 2016 and older, or Classic/Exotic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Classic/Exotic/Specialty Vehicles List

The vehicles listed below are considered Classic, Exotic and/or Specialty Vehicles. This list is not comprehensive and is subject to change without notice.

• Aston Martin
• Austin Healey
• Avanti
• Bertone
• Bentley
• Consulier
• Daimler
• Delorean
• Ferrari
• Lamborghini
• Lotus
• McLaren
• Merkur
• MG 
• Pininfarina
• Rolls-Royce
• Triumph
• Zenn
• Other Specialty Vehicles

²90-day deferred payment option for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Restrictions apply.