Auto Loans as low as 4.48% APR^¹

Shop Smarter with Our Car Buying Service

Unlock up to a 0.50% APR discount³ when you purchase your vehicle through New Cars Inc. or TrueCar—our trusted Car Buying Service partners. You’ll get upfront pricing and expert support.

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

Rates subject to change without notice. Amount Financed: Some applicants may require a down payment.

1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. For model years 2022 or newer, the estimated monthly payment is $36.45 per $1,000 borrowed for up to 29 months at 4.48% APR.

2. 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.

3. CCCU does not endorse or encourage any vendor, product, or service and urges members to conduct their own due diligence. All loans are subject to credit and collateral approval. A rate discount is available when using the Cal Coast Auto Buying Service powered by TrueCar (https://calcoastcu.truecar.com) or New Cars Inc. (NCI), our concierge auto‑buying service. Rates and discounts are subject to change without notice. Vehicle loan rates vary based on credit history, loan term, and vehicle model year. To qualify for the discount, you must use the Cal Coast Auto Buying Service or NCI and either (1) fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate), or (2) purchase a vehicle through NCI and finance it with California Coast Credit Union. The Cal Coast TrueCar Savings Certificate must be generated prior to purchase and within 90 days of loan funding. Loans are initially set up without the discount. After your loan agreement is signed and your vehicle purchase is complete, CCCU will verify eligibility and apply the discount effective as of the loan date. The discount for all year models is 0.50% off the approved interest rate for loan terms up to 66 months (For model years 2022 or newer, the estimated monthly payment is $16.99 per $1,000 borrowed for up to 66 months at 4.18% APR); longer terms can receive a discount of 0.25%. Discounted rates are available for purchases and are not valid for refinances or 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.