New and Used Auto Loans

From little red corvettes to weekday commuters, Cal Coast has you covered.

Take Advantage of Our Low Rates

Whether you're upgrading to a brand new car or looking at a used vehicle, financing your car loan at Cal Coast gets you behind the wheel with some of the lowest rates in town and no payments for 90 days2.

Getting Your Car In 3 Easy Steps:
  1. Get pre-approved
    Find out how much vehicle you can afford in minutes by applying online or stopping by a local branch.

  2. Find your ride
    You can use a Cal Coast Auto Buying service to find your next used or new car, or find a car on your own, it’s up to you. If you prefer to work with a dealer directly, but hate the back and forth, we have a solution. Ask Cal Coast to cut you a check to streamline your transaction.

  3. Sign and drive
    Finalize your loan details with a Cal Coast representative and you’re off to the races.
Perks + Protections:
  • Enjoy no payments for 90 days!2
  • Up to .50% off your loan when you purchase your vehicle through a Cal Coast Auto Buying Service.3
  • No direct deposit, automatic payments or checking account required.
  • Affordable GAP, MRC, and other loan protections available.

You May Also Like These Loan Options

Auto Loan Refinances

Learn more about auto loans with Cal Coast. See rates for new and used cars and  auto loan refinance options. Cal Coast auto loan rates are now as low as 5.28% APR1 

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 4.78% APRwith discount.3

Credit Cards

Discover credit card offers from Cal Coast. We offer rewards credit cards, student credit cards, balance transfer options and special offers.

  1. APR = Annual Percentage Rate. Rates are current as of 03/22/2024. Loans subject to credit and collateral approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Other rates and terms available. Certain restrictions apply. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. 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. Up to 110% financing available based on credit worthiness and model year. New: Manufacturer's Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), plus license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver's license and current insurance information are required at time of financing.
  2. 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.
  3. 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 (APR) and is effective 12/14/23 and includes a discount for using the Cal Coast Auto Buying Service Powered by TrueCar at or New Cars Inc, our personalized concierge auto buying service ( or NCI). Rates are subject to change without notice. Vehicle loan rates with the discount currently as low as 4.78% APR, depending on credit history, loan term and vehicle model year. The as low rate applies to vehicle model years 2022 and newer. A 29 month loan with a 4.78% fixed APR would have monthly payments of $36.59 per $1000 borrowed. If you use, 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 Cal Coast Auto Buying Service at 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. Discount for all year models is 0.50% off the approved interest rate for loan terms up to 5 ½ years (66 months). Discount for all year models is 0.25% off 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. 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. 

Contact Us

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.