New & Used Auto Loans | NC Car Loan Rates | Coastal Credit Union

New & Used Auto Loans

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

5.49 - 6.99 %
APR ⁴⁷

Whether you're buying your first car or upgrading to a newer model, Coastal offers competitive rates and flexible terms.

Competitive Rates

Take advantage of rates as low as 5.49% APR⁴⁷.
New & Used Auto Loans

Apply for preapproval with us and enter the dealership with financing in hand.
Flexible Terms

Get terms up to 84 months, with no penalty for paying off your loan early.⁴⁴
45 Days Until First Payment

Get up to 45 days until your first payment is due when you refinance with us.⁴⁵
No Pre-Payment Penalty

Pay off your auto loan early without the worry of extra fees.
Affordable Options

We offer loan options for members who have experienced past credit problems.

Apply Today

Apply Today

Estimate Your Payments with our Auto Loan Calculator

Simply input your loan amount, term, and interest rate to see how affordable your new car can be.

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Make online auto shopping a breeze with AutoSMART.

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Make Car Buying Easy

Research, find, and finance your car all in one place.
Fair Market Value

Determine the right price for your vehicle.

Visit AutoSMART

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All loans are subject to approval. Membership eligibility requirements apply. Calculator results are for example purposes and do not guarantee approval.

47

APR = Annual Percentage Rate. Rate 5.49% is only available for well qualified applicants on vehicles with year model 2024 - 2025 . Oldest vehicle Coastal will finance is a 2010 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.

44

For a $25,000 loan amount, a term of 48 months with a 5.49% APR fixed, the estimated monthly payment will be $582.56. For a $25,000 loan amount, a term of 60 months with a 6.59% APR fixed, the estimated monthly payment will be $491.54. For a $25,000 loan amount, a term of 84 months with a 6.99% APR fixed, the estimated monthly payment will be $378.26.

45

45 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 45 day no payment period.