Auto Loan Rates

Rates as of 12/22/2024. Rates subject to change without notice.

Amount Financed: Some applicants may require a down payment.

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.

¹APR = Annual Percentage Rate. Rates are current as of 12/22/2024. 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.

²90-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.

³CCCU 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 12/22/2024 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 4.28% 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 4.28% fixed APR would have monthly payments of $36.37 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.

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

Model Years 2022 or Newer

For 29 months at 4.78% APR estimated monthly payment is $36.59 per $1,000 borrowed. For 3 years (36 months) at 5.78% APR estimated monthly payment is $30.33 per $1,000 borrowed. For 4 years (48 months) at 5.78% APR estimated monthly payment is $23.39 per $1,000 borrowed. For 5 1/2 years (66 months) at 5.88% APR estimated monthly payment is $17.78 per $1,000 borrowed. For 6 years and 3 months (75 months) at 5.98% APR estimated monthly payment is $16.02 per $1,000 borrowed. For 7 years (84 months) at 7.08% APR estimated monthly payment is $15.14 per $1,000 borrowed.

Maximum Term: Offer good for all 2022 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.

Model Years 2017 - 2021

For 29 months at 5.78% APR estimated monthly payment is $37.04 per $1,000 borrowed. For 3 years (36 months) at 6.78% APR estimated monthly payment is $30.79 per $1,000 borrowed. For 4 years (48 months) at 6.78% APR estimated monthly payment is $23.85 per $1,000 borrowed. For 5 1/2 years (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 6.98% APR estimated monthly payment is $16.50 per $1,000 borrowed.

Maximum Term: Offer good for all 2017 - 2021 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.

Model Years 2016 or Older, Classic/Exotic/Specialty Vehicles 

For 3 years (36 months) at 8.28% APR estimated monthly payment is $31.48 per $1,000 borrowed. For 4 years (48 months) at 8.28% APR estimated monthly payment is $24.56 per $1,000 borrowed. For 5 1/2 years (66 months) at 8.38% APR estimated monthly payment is $18.97 per $1,000 borrowed. For 6 years and 3 months (75 months) at 8.48% APR estimated monthly payment is $17.23 per $1,000 borrowed.

Maximum Term: Offer good for all model years 2016 and older, or Classic/Exotic/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.

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
• Lamborghini
• Lotus
• McLaren
• Merkur
• MG 
• Pininfarina
• Rolls-Royce
• Triumph
• Zenn
• Other Specialty Vehicles