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Unlock the Cash Hidden in Your Car

Your vehicle is more than just a way to get around—it’s an asset. With a Cash-Out Auto Loan from Cal Coast, you can access funds for whatever you need.

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Turn Your Car’s Equity Into Immediate Cash

A loan secured by your vehicle typically offers much lower rates than a personal loan or credit card. Whether you're looking to consolidate debt or fuel your next ambition, our Cash-Out Auto Loan gives you the financial freedom to do more with what you already own.

 How It Works:
  • Ownership - To qualify you'll need to own your vehicle outright, or at least have substantial equity in it.

  • Apply online - You can apply online or in a branch and will be asked to provide your car's title, an extra key, proof of insurance, and your identification.

  • Sign and get your cash - Work with a Cal Coast representative to finalize the deal for your new cash-out loan.
Perks + Protections:
  • Enjoy no payments for 90 days!1
  • No direct deposit, automatic payments or checking account required.
  • Affordable GAP, MRC, and other loan protections available.

Auto Loan Refinances

Refinancing your auto loan can save you money by lowering your rate and in turn, reducing your monthly payment. See today's rates and find out how much you can save!

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New and Used Auto Loans

Learn more about auto loans with Cal Coast. See rates for new and used cars and  auto loan refinance options. 

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Car Buying Services

Learn more about car-buying services that can help you purchase a new or used car and finance with Cal Coast Credit Union. Cal Coast auto loan rates are now as low as 3.98% APR with Auto Buying discount.*

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  1. 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. 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

*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. Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate 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 are currently as low as 3.98% 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 3.98% fixed APR would have monthly payments of $36.22 per $1,000 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 the 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. The discount for all year models is 0.50% off the approved interest rate for loan terms up to 66 months; 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.

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ABA/Routing No: 322281578
NMLS ID# 407951