Auto Buying Services

Choose from two auto buying services to fit your needs.


Discounted auto loan rates as low as 0.98% APR1 when you purchase a vehicle through the California Coast Car Buying Service and finance with California Coast.2

Auto Buying Services

California Coast’s Car Buying Service powered by TrueCar

California Coast’s Car Buying Service powered by TrueCar

Save time and money with Cal Coast’s Car Buying Service powered by TrueCar, where members save an average of $3,2793 off MSRP. TrueCar offers members a car buying experience with upfront pricing information and research tools.
Get up to .50% off your auto loan rate when you buy your vehicle
using California Coast's Car Buying Service and finance with California Coast.2
Rates as low as 0.98% APR1!


  • To receive your discount, vehicle purchase must be made from a TrueCar Certified Dealer through to which you submitted your information. You will receive a Cal Coast TrueCar Guaranteed Savings Certificate from each dealer you submit to.
  • Discount off the approved interest rate for new and used vehicles is 0.50% for loan terms 36 - 66 months or 0.25% for 75 - 84 months and available for purchases and not valid for refinances and lease buyouts.2
  • Discount will be applied and your monthly payment adjusted before your first payment is due once we confirm you purchased your vehicle through Cal Coast’s Car Buying Service, powered by TrueCar.
Get your savings today—

Research your car.
Research and build your new car online at based on your preferences or search TrueCar’s inventory of over 600,000 used cars. See what others in your area paid so you know you’re getting a good price. California Coast is unable to directly finance vehicles purchased outside a member’s state of residence. Please contact a Funding Services Representative for more details.

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.

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

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, call us at (877) 495-1600 or work with your local branch to complete the transaction.

Apply Now Visit TrueCar  View Standard Auto Rates

1APR = Annual Percentage Rate.

2Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 7/1/16 and includes a discount for using the California Coast Car Buying Service (CCCBS/TrueCar). Rates are subject to change without notice. Vehicle loan rates with the CCCBS/TrueCar discount currently as low as 0.98% APR, depending on credit history, loan term and vehicle model year. The as low as rate applies to vehicle model years 2014 and newer. A 3 year (36-month) loan with a 0.98% fixed APR would have monthly payments of $28.21 per $1,000 borrowed. If you use CCCBS/TrueCar, 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 California Coast Car Buying Service (CCCBS/TrueCar) and fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate) with a CCCU auto loan. The Price Quote Certificate must be generated 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.

3Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. 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 Manufacturer's Suggested Retail Price ("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 not all vehicles are sold at MSRP. Each dealer sets its own pricing. TrueCar does not broker, sell or lease motor vehicles. TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations. Each Certified Dealer sets its own pricing, and will confirm actual vehicle availability from in-stock inventory, including options and color choices.

New Cars Inc. Auto Buying Service

New Cars Inc. Auto Buying Service

New Cars Inc. (NCI)** is a personalized, concierge auto buying service for Cal Coast members. Your dedicated NCI shopper can actively search for a vehicle to meet your specifications, including the year, make, model, color and mileage. Plus, NCI will even deliver your vehicle right to your doorstep!

Any type of car, model, color—new or used.
Choose from a great selection of vehicles with competitive pricing, including domestic, imports, cars, trucks and SUVs. Used cars are hand-selected by NCI, pre-inspected for quality and marketed with full disclosure. Plus, each must pass NCI’s stringent 120-point inspection, so you’re happy, mile after mile.

Visit NCI


**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.

Life Savers!

I love California Coast because they helped me get my first credit card and refinance my car. They lowered my interest rate from 16.64% to 4.98%. They helped me save $2,300. They're real life savers!


Manuel V.

valued member

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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