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.

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
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.

* 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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