Auto Loans

Whether you're looking for a new SUV or a pre-owned truck, we’ll put you behind the wheel fast!

Auto Loans
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Purchase Auto Loans

Purchase your new car with a Cal Coast auto loan.

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Used Auto Loans

Refinance your car with Cal Coast's great low auto loan rates.

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Auto Buying Services

Cal Coast’s auto buying services are here to help you save time and money on your next new or used auto purchase.

Benefits of Financing with a Credit Union

Benefits of Financing with a Credit Union

Credit unions are recognized for their low auto loan rates and are experts when it comes to financing.

While car dealerships are the experts in selling cars, credit unions have no vested interest in the price of the vehicle and can focus on helping you obtain a loan at the lowest possible rate.

  • With credit union auto loans you can get pre-approved ahead of time.* Credit unions will review your credit and let you know up front what rates and terms you qualify for before you shop for your car.
  • Credit union auto loans allow you to manage your loan online. Making payments and reviewing your statements are easy with online banking tools that credit unions provide.
  • With credit union auto loans you'll always be able to speak with a credit union employee in person. Most dealership finance companies do not have local offices.
  • Credit union auto loans often offer periodic 'skip a payment' promotions. Eligible members may have the opportunity to skip a payment during the year and put a little extra cash in their pocket.

Already financed at a dealership? Yes, you can refinance a dealership loan and credit unions often have better rates!

At California Coast, we're caring advocates for our members and have your best interest in mind. To ensure you're getting the 'best deal', contact us and get pre-approved before you go shopping for your next car. Getting pre-approved gives you negotiating power. Check out this family's easy auto loan experience.

*Loans subject to approval.

Worry-Free Loan Protection Services

Worry-Free Loan Protection Services

At California Coast Credit Union, we offer more than just auto loans. When you finance your next new or used vehicle with California Coast, you can also take advantage of these valuable protection services.

California Coast Guard Plus

California Coast Guard Plus has three plan options to protect your loan and your credit should an unexpected "life event" occur. This protection is also available on your Mastercard® credit card account too!

Protection that pays-- If you find yourself in an unexpected financial situation, California Coast Guard Plus debt protection will cancel or reduce repayment of your loan debt—lessening your worries about paying loans and other bills during a time when other things may take priority. Simple eligibility requirements make enrollment fast and easy.

Unexpected events include:

  • Disability
  • Loss of Life
  • Involuntary Unemployment

Think about your future today and choose to protect yourself, your family and your credit.

California Coast Guard Plus is a debt protection product offered by California Coast Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain credit union auto loans. Please contact California Coast Credit Union or request the Member Agreement for additional information on benefit maximums, eligibility and limitations.

Guaranteed Asset Protection (GAP) Plus1

What happens if your car is stolen or totaled? Most times, your insurance company will only pay the current market value. Our Guaranteed Asset Protection program is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident. GAP will pay the difference between the balance of your loan, the value of your car (max 115% LTV), and will pay your insurance deductible up to $1,000, even if your vehicle isn't a total loss. As an added bonus, GAP will also pay you $1,000 toward your replacement vehicle.2

Mechanical Repair Coverage (MRC)3

Our Mechanical Repair Coverage is a high-quality comprehensive coverage plan that safeguards you from expensive auto repairs. Whether you're one or one hundred miles from home, you can be assured that our MRC will cover the cost of most repairs. And if you're out of town, our MRC includes "trip interruption" service which will help you pay for a rental car, meals, lodging, and 24/7 roadside assistance. There are no limits on claims, and if you sell your car, you have the option of transferring your policy with the car.


1Available for eligible vehicles up to 10 years old with 125,000 miles or less. A vehicle is not eligible for GAP if it is used to transport passengers for compensation, including but not limited to vehicles used as taxicabs or for ride-sharing. 2$1,000 will only be paid if insurance company does not pay loan balance in full, GAP claim is filed, and the auto loan is financed at California Coast Credit Union. 3Available for eligible vehicles up to 10 years old with 125,000 miles or less.

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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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