Let's get your finances moving in the right direction
It can happen to anyone - major repairs or a medical situation, a job loss or budgeting shortfalls. Before long, debt piles up, financial hardship sets in and you feel overwhelmed. But take heart - at CoastHills, we can help. Our personal finance team is here to offer ideas and advice for getting back on track.
- Give us a call at (877) 340-6806
- Fill out and submit the free financial review form
- A CoastHills team member will be in touch with you shortly
It's not hopeless
There are time-tested steps you can take to dig yourself out of debt.
Your debt situation and poor credit score can affect your ability to get loans, housing and even certain jobs.
Keep tabs on your credit
View your credit reports from the three main credit bureaus to see what factors are hurting your score.
Get expert help
CoastHills can offer compassionate, confidential debt management advice. Call us at (877) 340-6806.
- Late fees are piling up
- Credit card balances keep rising
- You do not know the amounts you owe
- Payments you make are only enough to cover interest owed
- You're late on bills because you didn't have enough money on the due date
- You are forced to make only minimum payments on multiple accounts each month
Your credit score is more than just a three-digit number. It's a summary of your credit history that shows lenders how financially responsible you are. A low score can easily affect your quality of life, making it more difficult to:
- Buy a home
- Upgrade your credit card
- Buy and insure a car
- Get a lease for an apartment
- Start a new business
- Get hired for many jobs
It's smart to make annual checks with the three major credit bureaus - Equifax, Experian and TransUnion. You can get one free report every 12 months from each of them. Visit AnnualCreditReport.com or contact the credit bureaus by phone or mail.
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 CoastHills.coop/LoanPay 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 CoastHills.coop/LoanPay.
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.
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