Buying a car can be stressful, but at Cal Coast, we try to find ways to make every milestone an enjoyable experience. Not only do we offer the best rates on auto loans in San Diego and Riverside, but we also provide additional benefits to members with conveniences like our Cal Coast Auto Buying Services.
Know what you want? Take advantage of our partnership with TrueCar, where you can save time and money thanks to their upfront pricing information and research tools.
Looking for some additional car buying guidance? Contact New Cars Inc.’s Auto Buying Service for new and pre-owned vehicles. New Cars Inc. is proud to have served Cal Coast Members for more than 30 years.
New Cars Inc. (NCI)5 is your personalized, concierge auto buying service. Serving Cal Coast members since 1988, your dedicated NCI Advisor will actively search for a new or pre-owned vehicle to meet your specifications, including the year, make, model, color, and mileage. Plus, NCI will even deliver your vehicle right to your home, office, or preferred Cal Coast branch.
Get up to 0.50% off your auto loan when you purchase through NCI!2
For a limited time, when you buy your vehicle through NCI you can take up to 0.50% off your auto loan when you finance with California Coast. Contact a New Cars Inc. representative for details.
Find the new or pre-owned vehicle you desire!
Choose your new vehicle and NCI will negotiate for you with their Volume Buying Power. All pre-owned vehicles are hand-selected by NCI, pre-inspected for quality, and come with a complete CarFax Report. Plus, each must pass NCI’s stringent 120-point inspection, so you’re happy, mile after mile.
Research your car.
Research and build your new car online at calcoastcu.truecar.com based on your preferences or search TrueCar’s inventory of over 600,000 used cars.4 See what others in your area paid so you know you’re getting a good price.
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.
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 by calling (877) 495-1600, or work with your local branch to complete the transaction.
1APR = Annual Percentage Rate.
2Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 5/24/19 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 1.40% 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 29 month loan with a 1.40% fixed APR would have monthly payments of $35.10 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 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 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. 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 not all vehicles are sold at MSRP. Each dealer sets its own pricing.
4California 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.
5CCCU 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.
Take advantage of our Cal Coast Auto Buying Discount for more savings!
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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!
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.