Auto Loan Refinances

Need more money in your pocket? Look no further than your driveway.

How It Works:

Get pre-approved - Find out how much lower your rate can get by applying online or stopping by a local branch.
Set it up - Work with a Cal Coast representative to finalize the details of your new loan.
Sign and save - Complete your auto refinance and make your new lower payments in Cal Coast Online or by mail.

Perks + Protections:

Enjoy no payments for 90 days!²
No direct deposit, automatic payments or checking account required.
Affordable GAP, MRC, and other loan protections available.

More Options:

Need to free up even more funds? Consider a longer loan term to stretch out your payments, or borrow against your car to pay bills and consolidate debt. Considering a lease buyout? We can do that too.

Contact us (877) 495-1600 or visit a local branch for details on cash-out auto loans and lease buyouts.

New and Used Auto Loans

Learn more about auto loans with Cal Coast. See rates for new and used cars and auto loan refinance options.

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 3.98% APRwith discount.*

Credit Cards

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

APR = Annual Percentage Rate. Rates are current as of 04/30/2026. 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, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino 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.
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.

*APR = Annual Percentage Rate. Rates are current as of 09/25/2025. 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, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply. 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 09/25/2025 and includes a discount for using the Cal Coast Auto Buying Service Powered by TrueCar at https://calcoastcu.truecar.com or New Cars Inc, our personalized concierge auto buying service (calcoastcu.truecar.com or NCI). Rates are subject to change without notice. Vehicle loan rates with the calcoastcu.truecar.com/NCI discount currently as low as 3.98% 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 3.98% fixed APR would have monthly payments of $36.22 per $1000 borrowed. If you use calcoastcu.truecar.com/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 the Cal Coast Auto Buying Service at https://calcoastcu.truecar.com 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.

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