New & Used Auto Loans

Get in the driver’s seat with rates as low as

2.99%APR1

NEW & USED AUTO LOAN FEATURES

Lower Rates
Enjoy a great rate, as low as
2.99% APR1
Flexible Terms
Get terms up to 84 months2, with no penalty for paying off your loan early
Preapproval Option
Apply now and enter the dealership with financing already in hand

Bank Better with a New or Used Auto Loan from Coastal

  • Apply for preapproval with us and enter the dealership with financing in hand
  • Flexible terms with up to 84 months2 to pay off your loan, and no pre-payment penalty
  • College grad program available
  • Loan options available to members who have experienced past credit problems

Other Coastal Auto Loan Benefits

  • Use Coastal’s AutoSMART to research your next car and determine the Fair Market Value
  • We offer a lower costs for GAP Insurance, covering you financially in the event your auto is in an accident and is a total loss3
  • Credit Life & Disability: You may protect your asset in the event you are injured or sick and unable to work. In the event you pass away it may reduce the loan balance or pay it off. This protection allows you to worry less, with low premiums that are rolled into your loan

Auto Loan 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

Resource Center

3 Ways Coastal Could Help You Buy or Refinance a Car This Year

Ready to trade in your old car for something new? Or, maybe your car payments have been too high and you want to refinance. Coastal understands that car buying and financing can be quite a process, but we’ve got three ways to make it stress-free.

Auto Buying Tips & Tricks

Are you in the market to buy or refinance your vehicle? Coastal’s got you covered with our latest auto buying tips and tricks


I have had 2 auto loans with Coastal. The rates were good and payment is easy!
A Coastal Member

Frequently Asked Questions

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.
Simply go to https://www.coastal24.com/Insurance-Coverage-Verification to update your information.
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!
Yes.  We can help you take the stress out of buying with AutoSMART.  Conduct online research to find the right car and determine Fair Market Value (FMV).

All loans are subject to approval.

1. APR = Annual Percentage Rate. Rate 2.99% is only available for well qualified applicants on vehicles with year model 2020 - 2022. Oldest vehicle Coastal will finance is a 2012 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.

2. For a $25,000 loan amount, a term of 48 months with a 2.99% APR fixed, the estimated monthly payment will be $553.94. For a $25,000 loan amount, a term of 84 months with a 4.13% APR fixed, the estimated monthly payment will be $343.83.

3. GAP and Credit Life & Disability are optional products and not required as a condition for loan approval.

** Data and other wireless carrier charges may apply.

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