Man in car

Auto Loans

Our Comprehensive Auto Loan Options

At Central Coast Federal Credit Union, we pride ourselves on the variety and flexibility of our auto loan programs. Our members' needs are diverse, and our loan offerings reflect that diversity. Our commitment is to provide accessible and affordable car loans to our community. Our auto loan programs include:

  • New Car Loans - For those dreaming of a brand-new vehicle, we offer attractive new car loans designed to make that dream a reality. With competitive rates and flexible repayment options, owning a brand-new car is within your reach.
  • Used Car Loans - We understand that a pre-owned vehicle often offers great value. Hence, we've tailored our used car loans to make them as affordable and accessible as possible. We aim to ensure you can drive home the car you love without breaking the bank.
  • Auto Loan Refinancing - If you want to lower your interest rate, reduce your monthly payment, or both, our auto loan refinancing could be the right option. We're here to help you navigate this process and determine the best way forward.


Affordable Loan Rates Just for You

Central Coast Federal Credit Union provides competitive and affordable rates for our members. These rates aim to facilitate your vehicle purchase or auto loan refinancing process, making your dream car more accessible. Our team is always available to provide more details about these rates and assist you in determining the best auto financing option for your situation.

  • Rates
    • 2020-2023 Model Years (not exceeding 130K miles) - Rates range from 6.75% to 16.75% APR for terms up to 84 months.
    • 2014-2019 Model Years (not exceeding 130K miles) - Rates range from 7.00% to 17.00% APR for terms up to 84 months.

Connect with Us for Your Auto Financing Needs

Are you ready to embark on your journey towards car ownership? We're here to help. Contact us and let our team guide you through the auto loan process. We look forward to working with you and making your auto financing journey smooth and rewarding. At Central Coast Federal Credit Union, your car ownership dreams are just a conversation away.

Looking for an ATM or branch hours? Let us help!