Auto Loans
Explore your personal auto loan options with Cal Coast. Low rates and flexible terms that will fit any budget. Whether you're looking to buy new, used or refinance an existing loan, Cal Coast will get you on the road fast!
See Where the Road Takes You
Get behind the wheel of your new ride quickly with our low rates, auto buying services and refinancing options!
Buy New or Used
2024 is the year to buy a new or used car. Take advantage of our low rates today!
Refinance & Save
Get a lower rate on your existing car loan or buyout your lease.
Free Car Buying Service
As a Cal Coast member, you can take advantage of our complimentary car buying services to make your experience easy and enjoyable.
Comparing Auto Loans
| New | Used | Refinances | Other Vehicles | |
|---|---|---|---|---|
| APR1 | As low as 4.78% | As low as 4.78% | As low as 4.78% | Varying rates depending on vehicle type |
| Model Years | Model years 2022 and newer | Model Years 2022 and newer. Additional rates as low as 5.78% on 2017-2021 model years and 8.28% on 2016 or older, classic, exotic, or specialty vehicles | Model Years 2022 and newer. Additional rates as low as 5.78% on 2017-2021 models. 8.28% on 2016 or older, classic, exotic, or specialty vehicles | Motorcycles, sport vehicles, RV, and Boat loans 2016 model year and newer. |
| Terms | Terms up to 84 months | Terms up to 84 months on model years 2022 and newer. Terms up to 75 months for 2021 and older. | Terms up to 84 months on model years 2022 and newer. Terms up to 75 months for 2021 and older. | Up to 75 months on 2022 model year and newer motorcycles and sports vehicles. Terms up to 66 months for 2021 and older. Terms up to 120 months on RV and boat loans. |
| No Payments for 90 Days3 | Yes | Yes on model years 2017 and newer | Yes on model years 2017 and newer | No |
| Discounts | Use a Cal Coast Auto Buying Service and get up to 0.50% off. Rates as low as 4.28% APR1 with discount2. Rate Discount Available for certain deposit accounts (cannot be combined) | Use a Cal Coast Auto Buying Service and get up to 0.50% off. Rates as low as 4.28% APR1 with discount2. Rate Discount Available for certain deposit accounts (cannot be combined) | Rate discount available for certain deposit accounts | Rate discount available for certain deposit accounts |
| Protection Products | Yes | Yes | Yes | Yes |
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.
- APR = Annual Percentage Rate. Rates and terms as of 07/15/2025 are based on credit history, subject to credit approval and subject to change. 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. Up to 110% financing available based on credit worthiness and model year. New: Manufacturer's Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), plus license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver's license and current insurance information are required at time of financing.
- Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 5/30/24 and includes a discount for using a 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 New Cars Inc). Rates are subject to change without notice. Vehicle loan rates with the TrueCar/NCI discount currently as low as 4.28% APR, depending on credit history, loan term and vehicle model year. The as low as rate applies to vehicle model years 2022 and newer. A 29 month loan with a 4.28% fixed APR would have monthly payments of $36.37 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 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 new vehicle from New Cars Inc. and finance your purchase with California Coast. 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 of the approved interest rate for loan terms up to 5 1/2 years (66 months). Discount for all year models is 0.25% off of 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. Please allow ten to fifteen business days after funding for processing your purchase and loan discount.
- 90-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.
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Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.