Car Buying Services

Use a Cal Coast Auto Buying Service to purchase your vehicle and get up to 0.50% off your auto loan. Rates as low as 0.80% APR1 with discount.2

Get on the Road Faster

Cal Coast makes the process of purchasing a vehicle easy. Take advantage of our low rates by financing with us and using one of our partners to view upfront pricing and research tools to find the car of our dreams. 

Auto Buying Partners

New Cars Inc.

New Cars Inc. is one of our personalized, concierge auto buying service providers that has been serving Cal Coast members since 1988. A dedicated advisor will actively search for a new or pre-owned vehicle to meet your specifications, including year, make, model, color, mileage, etc. 

Once you've selected your new vehicle, New Cars Inc. will negotiate the price for you. All pre-owned vehicles are hand-selected, pre-inspected and come with a complete CarFax Report. Every vehicle must pass a 120-point inspection and your advisor will even deliver your vehicle right to your home, office, or even to your local Cal Coast branch.


Save time and money with Cal Coast’s Car Buying Service powered by TrueCar, where you can save an average of $3,5523 off the Manufacturer's Suggested Retail Price (MSRP). TrueCar offers members a car buying experience with upfront pricing and helpful research tools to find the car that meets all of your personal needs. 




Four Easy Steps To Getting Your 0.50% APR Auto Loan Discount with TrueCar

Step 1

Research Your Car

Research and build your new car online based on your preferences or search TrueCar’s inventory of over 600,000 used cars.4 Compare your selection to what others in your area paid so you know you’re getting a great price.

Step 2

Select and Connect

Once you find the car you want, you’ll be connected with local Certified Dealers who have cars that match your search or can order a custom vehicle for you. Print your Cal Coast TrueCar Guaranteed Savings Certificate for the car(s) you want.

Step 3

Get Pre-approved

Find out how much you’re approved for and streamline your transaction with a Cal Coast pre-approval. Want to apply after you test drive? No problem, skip to the next step.

Step 4

Test Drive and Buy

Bring your Cal Coast TrueCar Guaranteed Savings Certificate (printed or on your mobile phone) to one of the Certified Dealers listed on the certificate. When you’re ready to buy, have the dealer contact us by calling (877) 495-1600, or work with your local branch to complete the transaction. 

APR = Annual Percentage Rate. Rates are current as of 10/22/2021. 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. 

  1. CCCU 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.
  2. Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 10/22/2021 and includes a discount for using a Cal Coast Auto Buying Service (TrueCar/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. 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 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 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.
  3. Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $3,552.Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.
  4. California Coast is unable to directly finance vehicles purchased outside a member's state of residence. Please contact a Funding Services Representative at (855) 631-2496 ext. 1643 for more details.

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