Auto Loans

Your drive to find a better deal leads to Coastal.

When buying or refinancing, you're in the driver's seat

Here's why an auto loan from Coastal can help you bank better:

  • We work with you to create an auto loan that fits your budget
  • Simple application and quick approval gets your financing in place before you visit the dealership
  • Refinancing with Coastal gives you money saving options
  • We take the stress out of car-buying with AutoSMART
  • This loan is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program
  • id AllySM : Our identity theft recovery program is included free with this product
  • We make it easy to add Coastal as your financial institution for your Auto Insurance policy

Just the Facts

Signature Premier Rewards Visa
Earn more cash back when you shop.


Auto Loans Rates Term Benefits

Purchase New or Used Auto

as low as 3.44% APR* Up to 84 months**
  • No pre-payment penalty
  • College grad program available
  • Loan options for members who have experienced past credit problems

Refinance Auto Loan

as low as 3.44% APR* Up to 84 months***
  • Save $100 a month or 1% Cash Back up to $500

Find a Car

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  • Conduct online research to find the right car and determine what you should be paying for it

Resource Center

How to Build Credit and Why it's Important

When's the last time you checked your credit report? Errors on your credit report can lower your credit score - and you may not even be aware of them. The FTC says one in four people found an error on their credit report that could affect their credit score.

Managing Your Loans: Debt Consolidation

If you have a lot of debt, you're not alone. Today, more and more Americans are burdened with credit card and loan payments. So whether you are trying to improve your money management, having difficulty making ends meet, want to lower your monthly loan payments, or just can't seem to keep up with all of your credit card bills, you may be looking for a way to make debt repayment easier.

Lunch Tracker - Visa

The LunchTracker app from Visa helps you mange your spending and start saving money.

Making a budget is now made easier with the LunchTracker app from Visa. Regardless if you pack, eat at home or out at a restaurant, this app allows you to track how much you are spending when you have lunch. Because regardless of how you enjoy your lunch, these charges all add up. Keeping track of this daily expense can help you set spending goals and start saving.

Download mobile apps:
  • Download on the App Store
  • Get it on Google Play

Coastal Digital Banking - Coastal Credit Union

Coastal has upgraded our online banking and mobile banking platforms to a brand new unified system, which we are calling Digital Banking.

Access your Coastal Federal Credit Union accounts, quickly and conveniently, wherever you are with COASTAL Digital Banking! COASTAL Digital Banking allows you to check balances, make transfers, pay bills, and more!

Download mobile apps:
  • Download on the App Store
  • Get it on Google Play

I was able to buy my first home on my own without using all of my savings.
Margaret H.

All loans are subject to approval.

*APR = Annual Percentage Rate. Lowest rates and maximum terms based on Coastal Federal Credit Union’s Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Existing Coastal Federal Credit Union and Freedom Federal Credit Union auto loans are not eligible. No additional discounts available. Interest accrues daily.

† Maximum cash back cannot exceed 1.0% of the balance refinanced or $500 whichever is less.

** For a $25,000 loan amount, a term of 48 months with a 3.44% APR fixed (includes equity discount), the monthly payment will be $559.10.

*** For a $25,000 loan amount, a term of 84 months with a 3.94% APR fixed (includes equity discount), the monthly payment will be $341.65.

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