New & Used Auto Loans

It's your road, you're in the driver's seat

We can help you slide into a new ride

Here’s how a Coastal New or Used Car Loan could help you bank better:

  • Apply for pre-approval with us and enter the dealership with financing in hand
  • Flexible terms with up to 84 months* to pay off your loan
  • No pre-payment penalty
  • College grad program available
  • Loan options available to members who have experienced past credit problems
  • These loans are eligible for an annual Loyalty Bonus payout 

Buying a vehicle can be an exciting experience.

But it can also be a bit stressful. At Coastal Credit Union, we want to make the ride as smooth as possible for our North Carolina neighbors. That’s why we let you apply for a car loan online and give you an answer in a matter of minutes. That’s why we offer low financing rates and flexible repayment terms. That’s why we even offer you a list of dealers that meet our standards.

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Earn more cash back when you shop.

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.

* For a $25,000 loan amount, a term of 48 months with a 2.84% APR fixed (includes equity discount), the monthly payment will be $552.24.

* For a $25,000 loan amount, a term of 84 months with a 3.34% APR fixed (includes equity discount), the monthly payment will be $334.65

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