It pays to be a credit union member—especially when you’re in the market for an auto loan. Take advantage of our competitive auto rates as low as 3.99% APR2. Purchase a new or used vehicle, or refinance your existing auto loan from another lender to lower your payments. Show
Auto Insurance RequirementsIf you have an auto loan with us, you will be required to provide proof of insurance. Comprehensive and collision coverage with a maximum deductible of $1,000.00 must be maintained for the term of the loan. Your policy should be in effect from the date of funding and have a full description of the vehicle shown, as well as our credit union listed as lien holder. Lien Holder Address For more information, call (800) 653-8812 or visit our insurance center website at www.myinsuranceinfo.com Providing Proof of InsuranceWe have partnered with Insurance Services (Allied Solutions) to track and verify insurance coverage. If you have received a letter from Insurance Services asking for verification of insurance, you may update your insurance information online. You may also provide your proof of insurance via telephone, fax, email or regular mail using the contact information provided in your notification letter. Learn how to protect your investments with Auto Insurance, Mechanical Breakdown Protection (MBP) and Guaranteed Asset Protection (GAP) insurance. Read More Terms and Conditions All loans subject to approval. Rates, terms, and conditions are subject to change. 1Interest will accrue from contract date. 2APR is Annual Percentage Rate. 3A sample payment based at 3.99% APR for 36 months per $1,000 borrowed with 90 days to first payment: 35 monthly payments of $29.71 and a final payment of $29.69. All loans subject to approval. Rates, terms, and conditions are subject to change and are not available to refinance an existing California or North Island Credit Union auto loan. Your overall credit worthiness will determine the rate, term, and amount available to you. Fees and charges may apply. The auto loan rates at California Coast Credit Union can be very low, even as low as 0.80% when you use a Cal Coast Auto Buying Service. Other services can be as low as 2.98% for an older car or 4.98% for a newer auto. Credit scoreTo qualify for the lowest loan rates you must have excellent credit, and may be turned away if your credit rating is very poor. Good service with a good card. Great auto loan rates and more. Great Bank with all the services that you or your family might need and want. show more show less Product: California Coast Credit Union Credit Cards Comment 0 0 California Coast Credit Union  Stanley Report Abuse 5 Star Rating Verified CustomerGreat Customer Service and Banking Experience. I would recommend banking and getting a loan from Cal Coast Bank. They made my loan experience very easy and understanding. show more show less Product: California Coast Credit Union Car Loans Comment 0 0 California Coast Credit Union Danielle Report Abuse 5 Star Rating Verified CustomerEasy and nice people. Convenient as I use cal coast for banking purposes as well. Easy to make my payments directly from my account show more show less Product: California Coast Credit Union Car Loans Comment 0 0 California Coast Credit Union dbrown_2020 Report Abuse 5 Star Rating We decided last minute to finance a new Tesla purchase with only 24 hours before delivery. Not a great idea when you’re dealing with a Tesla delivery, but nonetheless I contacted California Coast Credit Union and with the help of Jenise and Lindsey (and AJ at Tesla) we had the entire purchase funded the next morning. CCCU’s entire process, quick service, and interest rate (not much more than Tesla and an easier last-minute option) were a huge improvement over our last experience with our local credit union. Things went seamless enough with CCCU that we will be financing our recent truck purchase with them next. show more show less Product: California Coast Credit Union Car Loans Comment 0 0 California Coast Credit Union Jorge Report Abuse 5 Star Rating Verified CustomerLow rate. Easy process. No hassle approach. Good customer service. Good follow up from loan officer. Good communication. Local credit union. show more show less Product: California Coast Credit Union Personal Loans Comment 0 0 California Coast Credit Union Marcus Report Abuse 5 Star Rating Verified CustomerGreat auto loan great rates and great personnel to service my account and credit card. Great experience all around and locations are easy to find show more show less Product: California Coast Credit Union Car Loans Comment 0 0 California Coast Credit Union Hailey Fulcher Report Abuse 1 Star Rating I did my car loan through CalCCU. Everything with the loan was fine. The problems came when I moved and needed to register my car in another State. I did my part to send the lien holder letter to CCCU. I called and verified they received that and said they sent the Info to the DMV. Waiting for my after waiting 2 months for my title I called CCCU again. The woman who helped me was completely incompetent and informed me that they do not deal with car titles. I decided to just be done with it and pay off my car so I could get the actual title. I then call the DMV and they state that they sent my title to CCCU several months before. I called CCCU AGAIN and confirmed that, yes they have my title. They stated they would mail it to me the next day. One month later I still do not have my title. I call again and they inform me that the will mail my title the next day. This entire process has taken 1 year. And now my temporary registration is expiring in the state I now live. I told CCCU that this is 100% their responsibility and that I have done my part completely. I asked that they would reimburse the fee I am now going to have to pay. They will not cover this fee. This is the last time I will ever use this bank full of incompetent people who can’t do their job. show more show less Product: California Coast Credit Union Car Loans Comment 0 0 California Coast Credit Union Bruce Scharf Report Abuse 1 Star Rating This is a bush League organization. Not customer service oriented. Can't keep up with the big Banks. Make all kinds of astounding offers in their ads that they can't fulfill. I'm going to be closing my account very soon. show more show less Product: California Coast Credit Union Checking Comment 0 0 California Coast Credit Union gregchick0 Report Abuse 1 Star Rating Could not access my money online or on phone, to transfer or use online to pay a contractor I owed while I was out of town. I literally had to drive 500 miles round trip to get access to my money because it was over a max amount. I had over $40,000 in the credit union account, I had to set up a transfer to Wells Fargo, that took a week. Then I could use Wells Fargo to transfer to the person I owed money to. I was late to pay them, it took hours on line to try to do in the first place. The absolute rules that restrict access to my money are of no use to me. I am going to go to a credit union that has reciprocity with Cal coast, transfer all my money from Cal Coast, to a credit union where I am (covid hide out), then have them issue me a cashiers check to the person I need to pay, then drive to a Union bank branch and deposit the amount into his account with the cashiers check. This is why I am closing my CCCU account Monday. I can and have identified myself with the CCCU to an excessive point, yet still they refuse to allow me access to my money that has been in the account for months. I can not verify my account and my story here using my account #, but will try to prove I am not a fraud with my name. What is the interest rate on a car loan?What is the Average Car Loan Interest Rate? The average interest rate for auto loans on new cars in 2022 is 4.07%. The average interest rate on loans for used cars is 8.62%. If you have a high credit score, you can expect your interest rate to be slightly lower than these figures.
Is 3% a good auto loan?Identifying a good car loan interest rate can be tricky since it depends largely on the individual applicant. That said, yes, 3.5% is a good interest rate for most car loan borrowers. In general, people with average to above-average credit scores can find interest rates from 3% to 4.5% on 36-month car loans.
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Cal coast credit union auto loan rates
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