Credit union · California

California Coast Credit Union auto loan rates compared

JustAutoRates is an independent comparison site. We aren’t affiliated with the lenders listed here. To apply, visit the lender’s own site.

California · Headquarters CaliforniaChecked Nov 12, 2026Rate page on calcoastcu.org

EligibilityPer Cal Coast: Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. A one-time $5 membership fee and savings account required.

Visit lender Opens calcoastcu.org

Lowest new rate

4.18%APR, as low as

New36 monthsCalifornia Coast Credit Union

Example: $25,000 financed for 36 months at 4.18% APR. Estimated payment: $741/mo

Buying serviceTrueCar buying service: Rate requires buying through Cal Coast’s Auto Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Cal Coast or TrueCar. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more

CA lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 6 rates

CAChecked Nov 12, 2026

New
As low as

4.18%APR36 months

2023 or newer models

Example: $25,000 financed for 36 months at 4.18% APR. Estimated payment: $741/mo

Requires:Buying serviceTrueCar buying service: Rate requires buying through Cal Coast’s Auto Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Cal Coast or TrueCar. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Rate requires buying through Cal Coast’s Auto Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Cal Coast or TrueCar.

Cal Coast Auto Buying Service rate (published on Cal Coast’s auto pages): as low as 4.18% APR for a 36-month loan, vehicle model years 2023 and newer, purchases only. Advertised as 36 months. *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 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 are currently as low as 4.18% APR, depending on credit history, loan term, and vehicle model year. The “as low as” rate applies to vehicle model years 2023 and newer. 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 the 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. The discount for all year models is 0.50% off the approved interest rate for loan terms up to 66 months; longer terms can receive a discount of 0.25%. Discounted rates are available for purchases and are not valid for refinances or 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

New
As low as

4.68%APR36 months

2023 or newer models

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: Up to 36 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

New
As low as

4.68%APR37–48 months

2023 or newer models

Example: $25,000 financed for 48 months at 4.68% APR. Estimated payment: $573/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 37 to 48 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

New
As low as

4.68%APR49–66 months

2023 or newer models

Example: $25,000 financed for 66 months at 4.68% APR. Estimated payment: $431/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 49 to 66 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

New
As low as

5.28%APR67–75 months

2023 or newer models

Example: $25,000 financed for 75 months at 5.28% APR. Estimated payment: $393/mo

Requires:Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 67 to 75 Months, APR (as low as) 5.28%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

New
As low as

6.28%APR76–84 months

2023 or newer models

Example: $25,000 financed for 84 months at 6.28% APR. Estimated payment: $369/mo

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 76 to 84 Months, APR (as low as) 6.28%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

4.18%APR

New car

Visit lender, California Coast Credit Union, 4.18% APR, new, 36 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.18% APR. Estimated payment: $741/mo

Buying serviceTrueCar buying service: Rate requires buying through Cal Coast’s Auto Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with Cal Coast or TrueCar. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.68%APR

New car

Visit lender, California Coast Credit Union, 4.68% APR, new, 36 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.68%APR

New car

Visit lender, California Coast Credit Union, 4.68% APR, new, 37–48 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202637–48 months

Example: $25,000 financed for 48 months at 4.68% APR. Estimated payment: $573/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.68%APR

New car

Visit lender, California Coast Credit Union, 4.68% APR, new, 49–66 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202649–66 months

Example: $25,000 financed for 66 months at 4.68% APR. Estimated payment: $431/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.28%APR

New car

Visit lender, California Coast Credit Union, 5.28% APR, new, 67–75 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202667–75 months

Example: $25,000 financed for 75 months at 5.28% APR. Estimated payment: $393/mo

Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.28%APR

New car

Visit lender, California Coast Credit Union, 6.28% APR, new, 76–84 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202676–84 months

Example: $25,000 financed for 84 months at 6.28% APR. Estimated payment: $369/mo

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 13 rates

CAChecked Nov 12, 2026

Used
As low as

4.68%APR36 months

2023 or newer models

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: Up to 36 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

5.88%APR36 months

2018–2022 models

Example: $25,000 financed for 36 months at 5.88% APR. Estimated payment: $760/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2018 - 2022: Up to 36 Months, APR (as low as) 5.88%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2018 - 2022 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

8.18%APR36 months

2017 or older models

Example: $25,000 financed for 36 months at 8.18% APR. Estimated payment: $786/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Model Years 2017 or Older, Classic/Specialty: Up to 36 Months, APR (as low as) 8.18%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all model years 2017 and older, or Classic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

4.68%APR37–48 months

2023 or newer models

Example: $25,000 financed for 48 months at 4.68% APR. Estimated payment: $573/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 37 to 48 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

5.88%APR37–48 months

2018–2022 models

Example: $25,000 financed for 48 months at 5.88% APR. Estimated payment: $586/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2018 - 2022: 37 to 48 Months, APR (as low as) 5.88%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2018 - 2022 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

8.18%APR37–48 months

2017 or older models

Example: $25,000 financed for 48 months at 8.18% APR. Estimated payment: $613/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Model Years 2017 or Older, Classic/Specialty: 37 to 48 Months, APR (as low as) 8.18%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all model years 2017 and older, or Classic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

4.68%APR49–66 months

2023 or newer models

Example: $25,000 financed for 66 months at 4.68% APR. Estimated payment: $431/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 49 to 66 Months, APR (as low as) 4.68%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

5.88%APR49–66 months

2018–2022 models

Example: $25,000 financed for 66 months at 5.88% APR. Estimated payment: $445/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2018 - 2022: 49 to 66 Months, APR (as low as) 5.88%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2018 - 2022 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

8.18%APR49–66 months

2017 or older models

Example: $25,000 financed for 66 months at 8.18% APR. Estimated payment: $472/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Model Years 2017 or Older, Classic/Specialty: 49 to 66 Months, APR (as low as) 8.18%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all model years 2017 and older, or Classic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

5.28%APR67–75 months

2023 or newer models

Example: $25,000 financed for 75 months at 5.28% APR. Estimated payment: $393/mo

Requires:Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 67 to 75 Months, APR (as low as) 5.28%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

6.48%APR67–75 months

2018–2022 models

Example: $25,000 financed for 75 months at 6.48% APR. Estimated payment: $407/mo

Requires:Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2018 - 2022: 67 to 75 Months, APR (as low as) 6.48%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2018 - 2022 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

8.78%APR67–75 months

2017 or older models

Example: $25,000 financed for 75 months at 8.78% APR. Estimated payment: $435/mo

Requires:Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Model Years 2017 or Older, Classic/Specialty: 67 to 75 Months, APR (as low as) 8.78%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all model years 2017 and older, or Classic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Checked Nov 12, 2026Source calcoastcu.org

CAChecked Nov 12, 2026

Used
As low as

6.28%APR76–84 months

2023 or newer models

Example: $25,000 financed for 84 months at 6.28% APR. Estimated payment: $369/mo

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loans - Model Years 2023 and Newer: 76 to 84 Months, APR (as low as) 6.28%, Fixed. Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing. Maximum Term: Offer good for all 2023 or newer model years up to 5 1/2 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.

Checked Nov 12, 2026Source calcoastcu.org

4.68%APR

Used car

Visit lender, California Coast Credit Union, 4.68% APR, used, 36 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.88%APR

Used car

Visit lender, California Coast Credit Union, 5.88% APR, used, 36 months, 2018–2022 models

CA · 2018–2022 modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 5.88% APR. Estimated payment: $760/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
8.18%APR

Used car

Visit lender, California Coast Credit Union, 8.18% APR, used, 36 months, 2017 or older models

CA · 2017 or older modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 8.18% APR. Estimated payment: $786/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.68%APR

Used car

Visit lender, California Coast Credit Union, 4.68% APR, used, 37–48 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202637–48 months

Example: $25,000 financed for 48 months at 4.68% APR. Estimated payment: $573/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.88%APR

Used car

Visit lender, California Coast Credit Union, 5.88% APR, used, 37–48 months, 2018–2022 models

CA · 2018–2022 modelsChecked Nov 12, 202637–48 months

Example: $25,000 financed for 48 months at 5.88% APR. Estimated payment: $586/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
8.18%APR

Used car

Visit lender, California Coast Credit Union, 8.18% APR, used, 37–48 months, 2017 or older models

CA · 2017 or older modelsChecked Nov 12, 202637–48 months

Example: $25,000 financed for 48 months at 8.18% APR. Estimated payment: $613/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.68%APR

Used car

Visit lender, California Coast Credit Union, 4.68% APR, used, 49–66 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202649–66 months

Example: $25,000 financed for 66 months at 4.68% APR. Estimated payment: $431/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.88%APR

Used car

Visit lender, California Coast Credit Union, 5.88% APR, used, 49–66 months, 2018–2022 models

CA · 2018–2022 modelsChecked Nov 12, 202649–66 months

Example: $25,000 financed for 66 months at 5.88% APR. Estimated payment: $445/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
8.18%APR

Used car

Visit lender, California Coast Credit Union, 8.18% APR, used, 49–66 months, 2017 or older models

CA · 2017 or older modelsChecked Nov 12, 202649–66 months

Example: $25,000 financed for 66 months at 8.18% APR. Estimated payment: $472/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.28%APR

Used car

Visit lender, California Coast Credit Union, 5.28% APR, used, 67–75 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202667–75 months

Example: $25,000 financed for 75 months at 5.28% APR. Estimated payment: $393/mo

Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.48%APR

Used car

Visit lender, California Coast Credit Union, 6.48% APR, used, 67–75 months, 2018–2022 models

CA · 2018–2022 modelsChecked Nov 12, 202667–75 months

Example: $25,000 financed for 75 months at 6.48% APR. Estimated payment: $407/mo

Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
8.78%APR

Used car

Visit lender, California Coast Credit Union, 8.78% APR, used, 67–75 months, 2017 or older models

CA · 2017 or older modelsChecked Nov 12, 202667–75 months

Example: $25,000 financed for 75 months at 8.78% APR. Estimated payment: $435/mo

Min. loan $12,000Min. loan $12,000: The lender publishes this rate with a $12,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.28%APR

Used car

Visit lender, California Coast Credit Union, 6.28% APR, used, 76–84 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202676–84 months

Example: $25,000 financed for 84 months at 6.28% APR. Estimated payment: $369/mo

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

RefiRefinance rates · 1 rate

CAChecked Nov 12, 2026

Refi
As low as

4.68%APR36 months

2023 or newer models

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

Requires:SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto Loan Refinances page: “Rates as low as 4.68% APR.” Rates shown are for well-qualified borrowers; your rate may vary based on credit, collateral, and term. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment. 1. APR = Annual Percentage Rate. 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. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing.

Checked Nov 12, 2026Source calcoastcu.org

4.68%APR

Refinance

Visit lender, California Coast Credit Union, 4.68% APR, refi, 36 months, 2023 or newer models

CA · 2023 or newer modelsChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.68% APR. Estimated payment: $746/mo

SoCal countiesSoCal counties: For a specific group: only open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures