Line of Credit

Money for rainy days or anything under the California sun

When life brings unbudgeted expenses, it's nice to have a financial cushion. When there's an opportunity to make family or friends happy, it's nice to have access to a few extra dollars. With a CoastHills Line of Credit, you can do all of the above - and much more. Our low-cost line of credit is an ideal way to pay for repairs, consolidate high-interest debt, make a big purchase, or take care of other items on today's to-do list.

Cash on demand

Get access to a credit line that you can tap into as many times as you want for any purpose.

Plenty to work with

CoastHills members can qualify for credit lines up to $25,000.

Easy withdrawals

Credit line cash is available through Online Banking, Mobile Banking and at CoastHills locations. 

No surprises

Our line of credit comes with a low fixed rate of 11.99% APR*, so the cost of borrowing won't jump up at any point.


Pay interest only on the amount of money that you've actually used. And as you pay back the principle, you can use the funds again for future expenses.

Extra protection

Link your credit line to your checking account to cover accidental checking overdrafts.

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

All applications are subject to credit approval.

*APR=Annual Percentage Rate. 11.99% APR is our lowest rate for the Line of Credit. Your APR may vary depending on your credit score. Subject to credit approval. Certain other conditions may apply, please speak to a Member Services Officer for details. Rates are subject to change without notice.


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.