Auto Loans
Explore your personal auto loan options with Cal Coast. Low rates and flexible terms that will fit any budget. Whether you're looking to buy new, used or refinance an existing loan, Cal Coast will get you on the road fast!
See Where the Road Takes You
Get behind the wheel of your new ride quickly with our low rates, auto buying services and refinancing options!
Buy New or Used
Buy a new or used car and take advantage of our low rates today!
Refinance & Save
Get a lower rate on your existing car loan or buyout your lease.
Free Car Buying Service
As a Cal Coast member, you can take advantage of our complimentary car buying services to make your experience easy and enjoyable.
Comparing Auto Loans
| New | Used | Refinances | Other Vehicles | |
|---|---|---|---|---|
| APR | As low as 4.28%1 | As low as 4.28%1 | As low as 4.78% | Rates depend on vehicle type |
| Model Years | Model years 2022 and newer | Model Years 2022 and newer. Additional rates as low as 5.78% on 2017-2021 model years and 8.28% on 2016 or older, classic, exotic, or specialty vehicles | Model Years 2022 and newer. Additional rates as low as 5.78% on 2017-2021 models. 8.28% on 2016 or older, classic, exotic, or specialty vehicles | Motorcycles, sport vehicles, RV, and Boat loans 2016 model year and newer. |
| Terms | Terms up to 84 months | Terms up to 84 months on model years 2022 and newer. Terms up to 75 months for 2021 and older. | Terms up to 84 months on model years 2022 and newer. Terms up to 75 months for 2021 and older. | Up to 75 months on 2022 model year and newer motorcycles and sports vehicles. Terms up to 66 months for 2021 and older. Terms up to 120 months on RV and boat loans. |
| No Payments for 90 Days3 | Yes | Yes on model years 2017 and newer | Yes on model years 2017 and newer | No |
| Discounts | Use a Cal Coast Auto Buying Service and get up to 0.50% off. Rates as low as 4.28% APR1 with discount2. Rate Discount Available for certain deposit accounts (cannot be combined) | Use a Cal Coast Auto Buying Service and get up to 0.50% off. Rates as low as 4.28% APR1 with discount2. Rate Discount Available for certain deposit accounts (cannot be combined) | Rate discount available for certain deposit accounts | Rate discount available for certain deposit accounts |
| Protection Products | Yes | Yes | Yes | Yes |
Save on Auto Insurance
As a Cal Coast member, you can save more on your auto insurance with our partner, Wawanesa! Call this dedicated line today for a free quote and find out just how much you can save: 833-302-5625
Cal Coast is an exclusive partner of Wawanesa Auto Insurance — a local and trusted name in car insurance with exceptional service and competitive rates.
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APR = Annual Percentage Rate. Rates and terms as of 09/13/2025 are based on credit history, subject to credit approval, and may change without notice. Advertised rate includes a discount for using Cal Coast Auto Buying Services—TrueCar or New Cars Inc.—and applies to purchases only. Discounted rates are not valid for refinances or lease buyouts. Vehicle loan rates with discount currently as low as 4.28% APR for model years 2022 and newer. Example: A 29-month loan at 4.28% APR equals $36.37 per $1,000 borrowed. Discount is 0.50% off approved rate for loan terms up to 66 months and 0.25% off for terms 67 months or longer. To qualify, generate a Cal Coast TrueCar Savings Certificate or purchase through New Cars Inc. within 90 days of loan funding and finance with California Coast. Loan is initially set up without discount; once verified, discount is applied retroactively. Allow 10–15 business days for processing. Up to 110% financing available based on creditworthiness and vehicle value. New vehicles: based on MSRP; used vehicles: based on Retail Kelley Blue Book (RKBB), plus license fees and optional products (e.g., GAP, MRC), subject to approval. Only standard passenger vehicles eligible. Commercial vehicles, vehicles for hire (e.g., rideshare, taxi), Lemon Law buybacks, and salvage/grey titles are not eligible. Valid driver’s license and current insurance required. Other restrictions may apply.
- 90-day deferred payment option for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Restrictions apply.
Contact Us
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Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.