Coastal is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, learn more

Auto Loans

Your drive to find a better deal leads to Coastal.

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

The Benefits of a Coastal Auto Loan

  • Enjoy great rates. Nearly half of all our approvals received interest rates below 3% APR1
  • Simple application and quick approval process 
  • 90 Days2 to first payment
  • No Pre-Payment Penalty 

How a Coastal Auto Loan can help you bank better

  • We guarantee that if we can’t save you $100 per month on your auto loan payment, we’ll give you $200 on the refinance you fund with Coastal3
  • Access AutoSMART, an online auto shopping destination that provides you with the resources that makes car-buying 
  • We make it easy to add Coastal as your financial institution for your Auto Insurance 
  • This loan is eligible for an annual Loyalty Bonus payout 


Auto Loans

Rates as low as



Purchase a New or Used Auto

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2.50% APR* Up to 84 months**
  • No pre-payment penalty
  • College grad program available
  • Loan options for members who have experienced past credit problems

Refinance Your Auto Loan

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2.50% APR* Up to 84 months***
  • Save $100 a month or $200 Cash Back† 

Find a Car with AutoSMART

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  • An online auto shopping destination that provides you with resources that make car buying a breeze
  • Find the right vehicle, read dealer reviews, and apply for a loan all in one convenient location


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.

1. 49% of applications approved in October 2020 qualified for an interest rate less than 3%. Maximum APR is 16.44%.

2. 90 days to first payment as a benefit when you purchase or refinance your auto loan from another lender. Interest will continue to accrue during the 90 day no payment period.

3. Savings of $100 each month may not be available to all applicants. $200 will be credited to the members share/checking account between 0 and 5 days of the loan origination date.

*APR = Annual Percentage Rate. Oldest vehicle Coastal will finance is a 2009 model. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, and loan terms. Other rates and terms available. Loan terms range from a minimum of 6 months to a maximum of 84 months.

† Savings of $100 each month may not be available to all applicants. $200 will be credited to the members share/checking account between 0 and 5 days of the loan origination date..

** For a $25,000 loan amount, a term of 48 months with a 2.50% APR fixed, the monthly payment will be $547.85.

*** For a $25,000 loan amount, a term of 84 months with a 2.99% APR fixed, the monthly payment will be $332.48.

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