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: 09/20/2020
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 105% 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 2019 and Newer

Maximum Term APR (As Low As)1 Rate Type
Up to 29 Months 1.30% Fixed
30 to 36 Months 2.38% Fixed
37 to 48 Months 2.78% Fixed
49 to 66 Months 2.98% Fixed
67 to 75 Months 2.98% Fixed
76 to 84 Months 4.98% Fixed

Auto Loans - Model Years 2015 - 2018

Maximum Term APR (As Low As)1 Rate Type
Up to 29 Months 1.30% Fixed
30 to 36 Months 2.38% Fixed
37 to 48 Months 2.78% Fixed
49 to 66 Months 2.98% Fixed
67 to 75 Months 2.98% Fixed

Model Years 2014 or Older, or Classic/Exotic/Specialty Vehicles

Maximum Term APR (as Low As)1 Rate Type
Up to 36 Months 4.48% Fixed
37 to 48 Months 4.88% Fixed
49 to 66 Months 5.08% Fixed
67 to 75 Months 5.08% Fixed

Rates as of 09/20/2020. 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. APR listed as of 09/20/2020 are our best rates and may be higher based on credit history. Rates subject to change without notice. All loan subject to approval.

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.

3Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 09/20/2020 and includes a discount for using a Cal Coast Auto Buying Service (TrueCar or New Cars Inc). Rates are subject to change without notice. Vehicle loan rates with the TrueCar/NCI discount currently as low as 0.80% APR, depending on credit history, loan term and vehicle model year. To qualify for the lowest loan rates you must have excellent credit. The as low as rate applies to vehicle model years 2015 and newer. A 29-month loan with a 0.80% fixed APR would have monthly payments of $34.83 per $1,000 borrowed. If you use TrueCar/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 a Cal Coast Auto Buying Service (TrueCar/NCI) and either fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Guaranteed Savings Certificate) or purchase a vehicle from New Cars Inc. and finance your purchase with California Coast. The TrueCar Price Quote Certificate must be generated 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 of the approved interest rate for loan terms up to 66 months. Discount for all year models is 0.25% off of the approved interest rate for loan terms 75 and 84 months. Discounted rates are available for purchases and not valid for refinances and lease buyouts. 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 2019 or Newer

For 29 months at 1.30% APR estimated monthly payment is $35.05 per $1,000 borrowed. For 3 years (36 months) at 2.38% APR estimated monthly payment is $28.81 per $1,000 borrowed. For 4 years (48 months) at 2.78% APR estimated monthly payment is $22.04 per $1,000 borrowed. For 5 1/2 years (66 months) at 2.98% APR estimated monthly payment is $16.45 per $1,000 borrowed. For 6 years and 3 months (75 months) at 2.98% APR estimated monthly payment is $14.64 per $1,000 borrowed. For 7 years (84 months) at 4.98% APR estimated monthly payment is $14.13 per $1,000 borrowed.

Maximum Term: Offer good for all 2019 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 2015 - 2018

For 29 months at 1.30% APR estimated monthly payment is $35.05 per $1,000 borrowed. For 3 years (36 months) at 2.38% APR estimated monthly payment is $28.81 per $1,000 borrowed. For 4 years (48 months) at 2.78% APR estimated monthly payment is $22.04 per $1,000 borrowed. For 5 1/2 years (66 months) at 2.98% APR estimated monthly payment is $16.45 per $1,000 borrowed. For 6 years and 3 months (75 months) at 2.98% APR estimated monthly payment is $14.64 per $1,000 borrowed.

Maximum Term: Offer good for all 2015 - 2018 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 2014 or Older, or Classic/Exotic/Specialty Vehicles

For 3 years (36 months) at 4.48% APR estimated monthly payment is $29.74 per $1,000 borrowed. For 4 years (48 months) at 4.88% APR estimated monthly payment is $22.98 per $1,000 borrowed. For 5 1/2 years (66 months) at 5.08% APR estimated monthly payment is $17.40 per $1,000 borrowed. For 6 years and 3 months (75 months) at 5.08% APR estimated monthly payment is $15.60 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2014 and older, or Classic/Exotic/Specialty vehicles, or Cash Out loans for free and clear title 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

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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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