Car Buying Services

APR = Annual Percentage Rate. Rates are current as of 03/23/2023. 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 03/23/2023 and includes a discount for using the 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 NCI). Rates are subject to change without notice. Vehicle loan rates with the calcoastcu.truecar.com/NCI discount currently as low as 4.48% APR, depending on credit history, loan term and vehicle model year. The as low rate applies to vehicle model years 2021 and newer. A 29 month loan with a 4.48% fixed APR would have monthly payments of $36.46 per $1000 borrowed. If you use calcoastcu.truecar.com/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 the 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 vehicle from New Cars Inc. and finance your purchase with California Coast Credit Union. 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 the approved interest rate for loan terms up to 5 ½ years (66 months). Discount for all year models is 0.25% off 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. 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. 
3. Between 1/1/21 and 12/31/21, 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 $1,824. 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.