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 

Calculator

Purchase price must be a numeric value greater than zero
Down payment must be a numeric value greater than or equal to zero
Trade equity must be a negative or positive numeric value
Rate estimate is based on a vehicle mileage of 150,000 miles or under
Loan Snapshot
Loan Amount
$
Monthly Payment APR
$ %
Purchase Price $
Down Payment $
Trade Equity $
Total Interest $
Total Cost of the Loan $
*There are additional Taxes, title, and dealer fees that will vary based on your state.
Loan Type Purchase
Credit Profile
Term Months
Existing balance must be a numeric value
Rate estimate is based on a vehicle mileage of 150,000 miles or under
Loan Snapshot
Loan Amount
$
Monthly Payment APR
$ %
Existing Balance $
Total Interest $
Total Cost of the Loan $
*There are additional Taxes, title, and dealer fees that will vary based on your state.
Loan Type Refinance
Credit Profile
Term Months
100% HELOC
100% HELOC
Consolidate your debt into one low payment by financing up to 100% of the equity in your home.

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 10 years old.  Certain restrictions apply for older vehicles, ask your loan officer for details.

GAP pays the difference between the actual cash value of a vehicle up to 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. 

We guarantee that we will save you at least $100 on your monthly payment, if not we will pay you $200 in cash when you refinance your auto loan to Coastal!

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 2016 - 2022. Oldest vehicle Coastal will finance is a 2011 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. 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 member's share/checking account between 0 and 5 days of the loan origination date. 

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