Auto Loan Rates

Whether you're looking for a new SUV or a pre-owned truck, we’ll put you behind the wheel fast!

Rates effective as of: 03/19/2024
Rates: Annual Percentage Rates (APRs) show our lowest auto loan rates

Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing, plus you may qualify to make no payments for 90 days.2

Auto Offer

Limited Time Offer

Get up to 0.50% off your auto loan rate when you buy your vehicle using a Cal Coast Auto Buying Service and finance with California Coast.3

Auto Loan Rates 

Auto Loans - Model Years 2022 and Newer 

Maximum Term APR (As Low As)1 Rate Type
Up to 29 Months 5.28% Fixed
30 to 36 Months 6.28% Fixed
37 to 48 Months 6.28% Fixed
49 to 66 Months 6.38% Fixed
67 to 75 Months 6.48% Fixed
76 to 84 Months 7.58% Fixed

Auto Loans - Model Years 2017 - 2021

Maximum Term APR (As Low As)1 Rate Type
Up to 29 Months 6.28% Fixed
30 to 36 Months 7.28% Fixed
37 to 48 Months 7.28% Fixed
49 to 66 Months 7.38% Fixed
67 to 75 Months 7.48% Fixed

Model Years 2016 or Older, Classic/Exotic/Specialty

Maximum Term APR (as Low As)1 Rate Type
Up to 36 Months 8.78% Fixed
37 to 48 Months 8.78% Fixed
49 to 66 Months 8.88% Fixed
67 to 75 Months 8.98% Fixed
Member Offer

Save on Auto Insurance

As a Cal Coast member, you can save more on your auto insurance with our partner, Wawanesa! Call this dedicated line today for a free quote and find out just how much you can save: 833-302-5625

Cal Coast is an exclusive partner of Wawanesa Auto Insurance — a local and trusted name in car insurance with exceptional service and competitive rates.

Rates as of 03/19/2024. 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.

1APR = Annual Percentage Rate. Rates are current as of 03/19/2024. Loans subject to credit and collateral approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Other rates and terms available. Certain restrictions apply. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.

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.

3CCCU does not endorse or encourage the product or services. CCCU urges you to do your own due diligence on the vendor and its product/service. Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 03/19/2024 and includes a discount for using the Cal Coast Auto Buying Service Powered by TrueCar at https://calcoastcu.truecar.com or New Cars Inc, our personalized concierge auto buying service (calcoastcu.truecar.com or NCI). Rates are subject to change without notice. Vehicle loan rates with the calcoastcu.truecar.com/NCI discount currently as low as 4.78% APR, depending on credit history, loan term and vehicle model year. The as low rate applies to vehicle model years 2022 and newer. A 29 month loan with a 4.78% fixed APR would have monthly payments of $36.59 per $1000 borrowed. If you use calcoastcu.truecar.com/NCI, the discounted offer is good for purchases; rate discount subject to change or end without notice. To qualify for discount offer you must use the Cal Coast Auto Buying Service at https://calcoastcu.truecar.com or New Cars Inc and either fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate) or purchase a vehicle from New Cars Inc. and finance your purchase with California Coast Credit Union. The Cal Coast TrueCar Savings Certificate must be generated prior to purchase and no more than 90 days prior to your loan being funded. Your loan will originally be set up without the rate discount. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount and apply the discount to your loan as of the effective date of the loan. Discount for all year models is 0.50% off the approved interest rate for loan terms up to 5 ½ years (66 months). Discount for all year models is 0.25% off the approved interest rate for loan terms of 67 months and longer. Discounted rates are available for purchases and not valid for refinances and lease buyouts. Discounts cannot be combined with any other discount program or type. Please allow ten to fifteen business days after funding for processing your purchase and loan 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 29 months at 5.28% APR estimated monthly payment is $36.81 per $1,000 borrowed. For 3 years (36 months) at 6.28% APR estimated monthly payment is $30.56 per $1,000 borrowed. For 4 years (48 months) at 6.28% APR estimated monthly payment is $23.62 per $1,000 borrowed. For 5 1/2 years (66 months) at 6.38% APR estimated monthly payment is $18.01 per $1,000 borrowed. For 6 years and 3 months (75 months) at 6.48% APR estimated monthly payment is $16.26 per $1,000 borrowed. For 7 years (84 months) at 7.58% APR estimated monthly payment is $15.39 per $1,000 borrowed.

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 29 months at 6.28% APR estimated monthly payment is $37.26 per $1,000 borrowed. For 3 years (36 months) at 7.28% APR estimated monthly payment is $31.01 per $1,000 borrowed. For 4 years (48 months) at 7.28% APR estimated monthly payment is $24.09 per $1,000 borrowed. For 5 1/2 years (66 months) at 7.38% APR estimated monthly payment is $18.49 per $1,000 borrowed. For 6 years and 3 months (75 months) at 7.48% APR estimated monthly payment is $16.74 per $1,000 borrowed.

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 3 years (36 months) at 8.78% APR estimated monthly payment is $31.71 per $1,000 borrowed. For 4 years (48 months) at 8.78% APR estimated monthly payment is $24.79 per $1,000 borrowed. For 5 1/2 years (66 months) at 8.88% APR estimated monthly payment is $19.21 per $1,000 borrowed. For 6 years and 3 months (75 months) at 8.98% APR estimated monthly payment is $17.48 per $1,000 borrowed.

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
  • Fisker
  • Lamborghini
  • Lotus
  • McLaren
  • Merkur
  • MG 
  • Pininfarina
  • Rolls-Royce
  • Triumph
  • Zenn
  • Other Specialty Vehicles

Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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