Auto Loans as low as 3.98% APR^¹

Shop Smarter with Our Car Buying Service

Unlock up to a 0.50% APR discount when you purchase your vehicle through New Cars Inc. or TrueCar—our trusted Car Buying Service partners. You’ll get upfront pricing, expert support, and rates as low as 3.98% APR.¹

How It Works:

• Choose your car through TrueCar or New Cars Inc.
• Get pre-approved for your Cal Coast auto loan
• (TrueCar only) Print your savings certificate
• Buy through a participating dealer and lock in your discounted rate

Start now on our Car Buying Services page.

Lock in Your Low Rate Today

Lock in Your Low Rate Today

_{1. APR = Annual Percentage Rate. Rates are current as of 10/01/2025 and subject to change without notice. Loans subject to credit and collateral approval; rates, terms, and conditions may vary based on creditworthiness. Other rates and terms available. Membership open to those who live or work in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties; requires a one-time $5 membership fee and savings account. Financing available for standard passenger vehicles only; commercial vehicles, vehicles for hire, Lemon Law buybacks, and vehicles with grey or salvage titles are not eligible. Vehicles used to transport passengers for compensation, including taxis and ride-sharing, are excluded. Up to 110% financing available based on creditworthiness and vehicle model year. New vehicle financing based on Manufacturer’s Suggested Retail Price (MSRP); used vehicles based on Retail Kelley Blue Book (RKBB) value, plus license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC), subject to approval. Valid driver’s license and current insurance required at time of financing. CCCU does not endorse or guarantee third-party products or services; please conduct your own due diligence. Advertised rate is our lowest APR and includes a discount for using the Cal Coast Auto Buying Service powered by TrueCar or New Cars Inc (NCI). Vehicle loan rates with this discount currently as low as 3.98% APR, depending on credit history, loan term, and vehicle model year; applies to model years 2022 and newer. Example: a 29-month loan at 3.98% APR would have monthly payments of $36.22 per $1,000 borrowed. To qualify for the rate discount, you must use the Cal Coast Auto Buying Service at https://calcoastcu.truecar.com or NCI, and finance your purchase with CCCU. The Cal Coast TrueCar 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 eligibility is confirmed, the discount will be retroactively applied to the loan’s effective date. Discount is 0.50% off approved rate for loan terms up to 66 months and 0.25% off for terms 67 months or longer. Discount applies to purchases only and cannot be combined with other offers; not valid for refinances or lease buyouts. Please allow 10–15 business days after funding for processing.}

_{2. 90-day deferred payment option available for qualified borrowers. Finance charges begin accruing immediately and are repaid over the life of the loan. Deferring payments may result in higher total finance charges. Restrictions apply.}