Personal Loans

Get the money you need to make life happen

For your important plan that requires extra money, chances are you can get a CoastHills Personal Loan to pay for it. Make repairs, cover expenses, buy something you've always wanted or do something really exciting.

Signature Loan

No collateral? No problem. As a CoastHills member, we can offer you a loan based solely on your good name and solid credit score

  • Borrow $500 to $25,000, based on credit rating
  • Pay as little as $25 per month

Line of Credit

It's like a cushion for your finances. After one simple application, you can get access to a pool of money that can be tapped into time and over again for any purpose.

  • Access funds through checks or digital banking
  • Pay interest only on money in use 

Share & Certificate Secured Loan

How do you get the money you need now without hurting your long-term savings efforts? Leave your Share or Certificate accounts untouched but take out a loan based on the balances in those accounts.

  • Low interest rates
  • Good for building credit rating

Loan Protection

We want you to live long and prosper. But if you should lose your job, become disabled or pass away, this protection plan can help pay off your CoastHills loans.

  • Can cover credit card balances, personal loans or auto financing
  • Payments may be skipped or cancelled altogether

Debt Management 

A little bad luck and maybe an extra purchase or two can leave you looking up at a mountain of debt. At CoastHills, our experienced counselors can offer advice on how to cut it down to size.

  • Free one-on-one assistance
  • Get started with the online financial review form

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.


Your questions answered

To make a payment on your CoastHills loan from another Financial institution, visit and select Make Your Payment. 

You have the option to create an account by selecting Register, or make a one-time payment using Express Pay.

When registering or making a one-time payment, you'll need the last 6-digits of your CoastHills account number and your Loan ID. Please note: when entering your birth date, be sure to use the proper format XX/XX/XXXX. The portal will not accept any other format.

To access LoanPay, you may either bookmark the login page or visit 

You may also access the site by clicking Make a Payment from the CoastHills homepage.

To cancel a reoccurring payment in LoanPay:

One-Time Cancellation - Select Edit AutoPay, then click Cancel Scheduled Payment and select Update. Your automatic payment will be cancelled for one occurrence.

Cancel All Reoccurring -  Select Edit AutoPay, then enter the date you'd like reoccurring payments to stop in the Starting field and select On a Specific Date under the End Date Options drop down, and select Update. All payments after your selected end date for that loan will be cancelled.

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

Freedom Plus Checking

High-dividend, free checking loaded with fantastic perks.

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Here to help

No matter your inquiry, give us a call at (805) 733-7600, or use one of our other convenient contact methods.