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

Auto Loan Refinancing

Saving you money is our guarantee.

Shift your savings into gear by refinancing with Coastal

Benefits of Refinancing Your Auto Loan

  • Rates as low as 2.50% APR*. Check out our low rates
  • Get up to 90 days until your first payment is due**
  • No pre-payment penalty 

Here's how refinancing your auto loan with Coastal can help you bank better

  • Our refinancing will either lower your monthly payment by $100; or we'll give you $200 cash back when you refinance with us***
  • Access AutoSMART, an online auto shopping destination that provides you with the resources that make car-buying a breeze
  • This loan is eligible for an annual Loyalty Bonus payout 


Adjustable-Rate Mortgage
Adjustable-Rate Mortgage
Apply for this flexible home loan if you plan on paying it off, refinancing or moving before the rate adjusts.

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

Frequently Asked Questions

We offer flexible terms up to 84 months; however longer terms are subject to credit and collateral approval.  See disclosures.

We finance new and used vehicles up to 15 years old.  Certain restrictions apply for older vehicles, ask your loan officer for details.

If you finance less than the value of your vehicle, you may be eligible for an equity discount.  Ask your loan officer for details.

GAP pays the difference between the actual cash value of a vehicle and the balance remaining after your auto insurance company settles your claim in the event your auto is in an accident and is declared a total loss. 

All loans are subject to approval. Refinancing options are subject to review by a Coastal consumer loan underwriter to determine your specific offer.

* APR = Annual Percentage Rate. Rate 2.50% is only available for well qualified applicants on vehicles with year model 2018 - 2021. Oldest vehicle Coastal will finance is a 2009 model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Existing Coastal Credit Union auto loans are not eligible. Interest accrues daily. All loans are subject to approval.

** 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.

*** 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. 

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