Auto Rates

Auto loan rates specially priced to keep more money in your pocket. Call us at (858) 495-1645 today.

Auto Loans

Effective:  
Rates: Annual Percentage Rates (APRs) show our lowest auto loan rates

LIMITED TIME OFFER (valid 7/1/16 - 9/30/16) - Get up to .50% off your auto loan rate when you buy your vehicle using California Coast's Car Buying Service, powered by TrueCar, and finance with California Coast.**

Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing, plus you may qualify to make no payments for 90 days.***

Need more information on our auto loan rates? Enter your info on our Contact Me page and we'll contact you when it is convenient for you.

Auto
RV & Boat Loans
Recreational Sport Vehicle Loans
Motorcycle Loans
Maximum Term APR*
(As Low As)
Rate Type
Model Years 2014 or Newer
Up to 36 Months 1.48% Fixed
37 to 48 Months 1.78% Fixed
49 to 66 Months 1.88% Fixed
67 to 75 Months 1.98% Fixed
76 to 84 Months 2.98% Fixed
Model Years 2008 - 2013
Up to 36 Months 1.98% Fixed
37 to 48 Months 2.28% Fixed
49 to 66 Months 2.38% Fixed
67 to 75 Months 2.48% Fixed
Model Years 2007 or Older, or Classic/Exotic/Specialty Vehicles
Up to 36 Months 3.48% Fixed
37 to 48 Months 3.78% Fixed
49 to 66 Months 3.88% Fixed
67 to 75 Months 3.98% Fixed

Rates subject to change without notice.

Amount Financed: Some applicants may require a down payment.

*APR = Annual Percentage Rate.

 

Model Years 2014 or Newer

For 3 years (36 months) at 1.48% APR estimated monthly payment is $28.42 per $1,000 borrowed. For 4 years (48 months) at 1.78% APR estimated monthly payment is $21.60 per $1,000 borrowed. For 51/2 years (66 months) at 1.88% APR estimated monthly payment is $15.97 per $1,000 borrowed. For 6 years and 3 months (75 months) at 1.98% APR estimated monthly payment is $14.19 per $1,000 borrowed. For 7 years (84 months) at 2.98% APR estimated monthly payment is $13.21 per $1,000 borrowed.

Maximum Term: Offer good for all 2014 or newer model years up to 51/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $25,000 and above.

 

Model Years 2008 - 2013

For 3 years (36 months) at 1.98% APR estimated monthly payment is $28.64 per $1,000 borrowed. For 4 years (48 months) at 2.28% APR estimated monthly payment is $21.82 per $1,000 borrowed. For 51/2 years (66 months) at 2.38% APR estimated monthly payment is $16.19 per $1,000 borrowed. For 6 years and 3 months (75 months) at 2.48% APR estimated monthly payment is $14.41 per $1,000 borrowed.

Maximum Term: Offer good for all 2008 - 2013 model years up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $7,500. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above.

 

Model Years 2007 or Older, or Classic/Exotic/Specialty Vehicles

For 3 years (36 months) at 3.48% APR estimated monthly payment is $29.30 per $1,000 borrowed. For 4 years (48 months) at 3.78% APR estimated monthly payment is $22.49 per $1,000 borrowed. For 51/2 years (66 months) at 3.88% APR estimated monthly payment is $16.86 per $1,000 borrowed. For 6 years and 3 months (75 months) at 3.98% APR estimated monthly payment is $15.09 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2007 and older, or Classic/Exotic/Specialty vehicles for up to 4 years (48 months). Terms of 51/2 years (66 months) require a minimum loan amount of $7,500. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above.

 

**Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 7/1/2016 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%, depending on credit history, loan term and vehicle model year. To qualify for the lowest loan rates you must have excellent credit. The as low as rate applies to vehicle model years 2014 and newer. A 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 on 7/1/2016 through 9/30/2016. To qualify for discount offer, you must use the California Coast Car Buying Service and fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Guaranteed Savings Certificate) with a California Coast Credit Union auto loan by 9/30/2016. 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 66 months. Discount for all year models is 0.25% off of the approved interest rate for loan terms 75 and 84 months. 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.

 

***90-day deferred payment option available for qualified borrowers. Interest accrues immediately.

Annual Percentage Rates (APR) listed are our best rates and may be higher based on credit history. All loans subject to approval. Restrictions apply.

 

Classic/Exotic/Specialty Vehicles List

The vehicles listed below are considered Classic, Exotic and or Specialty Vehicles. This list is not comprehensive and is subject to change without notice.
 

Aston Martin
Austin Healey
Avanti
Bertone
Bentley
Consulier
Daimler
Delorean
Ferrari
Fisker
Lamborghini
Lotus
McLaren
Merkur
MG 
Pininfarina
Rolls-Royce
Triumph
Zenn

Maximum Term               APR*
(As Low As)
Rate Type
Model Years 2013 and Newer
66 Months 6.88% Fixed
75 Months 7.88% Fixed
84 Months 8.88% Fixed
120 Months 9.88% Fixed

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history.

For 5 1/2 (66 months) at 6.88% APR estimated monthly payment is $18.25 per $1,000 borrowed. For 6 years and 3 months (75 months) at 7.88% APR estimated monthly payment is $16.94 per $1,000 borrowed. For 7 years (84 months) at 8.88% APR estimated monthly payment is $16.04 per $1,000 borrowed. For 10 years (120 months) at 9.88% APR estimated monthly payment is $13.17 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2013 and newer for up to 5 1/2 (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $50,000 and above. Terms of 10 years (120 months) on loan amounts of $100,000 and above.

Amount Financed: Up to 100% of purchase price or 100% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

 

Maximum Term APR*
(As Low As)
Rate Type
Model Years 2013 and Newer
48 Months 3.48% Fixed
66 Months 4.48% Fixed
75 Months 5.48% Fixed

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history.

For 4 years (48 months) at 3.48% APR estimated monthly payment is $22.36 per $1,000 borrowed. For 5 1/2 years (66 months) at 4.48% APR estimated monthly payment is $17.13 per $1,000 borrowed. For 6 years and 3 months (75 months) at 5.48% APR estimated monthly payment is $15.79 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2013 and newer for up to 4 years (48 months). Terms of 5 1/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above.

Amount Financed: Up to 90% of purchase price or 90% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

Maximum Term APR*
(As Low As)
Rate Type
Model Years 2013 and Newer
48 Months 3.48% Fixed
66 Months 4.48% Fixed
75 Months 5.48% Fixed

Rates subject to change without notice. All loans subject to approval.

*APR = Annual Percentage Rate. Annual Percentage Rates listed are our best rates and may be higher based on credit history.

For 4 years (48 months) at 3.48% APR estimated monthly payment is $22.36 per $1,000 borrowed. For 5 1/2 years (66 months) at 4.48% APR estimated monthly payment is $17.13 per $1,000 borrowed. For 6 years and 3 months (75 months) at 5.48% APR estimated monthly payment is $15.79 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2013 and newer for up to 4 years (48 months). Terms of 5 1/2 years (66 months) require a minimum loan amount of $12,000. Terms of 6 years and 3 months (75 months) on loan amounts of $25,000 and above.

Amount Financed: Up to 90% of purchase price or 90% of NADA Low Retail (whichever is less) including tax, title, and license. In addition, loan protection products can be added above the Max LTV %. Some applicants may require a down payment.

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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