Financial relief when you need it most

Some people live charmed lives - but many of us aren't so lucky. At CoastHills, we're grateful that you came to us for loans that helped you finance purchases, cover costs or generally push your life in a positive direction. In return, we want to provide you access to low-cost loan protection plans that can help cover loan payments should you encounter certain types of misfortune.

When you need it most

Loan protection can kick in if you have an involuntary job loss, become disabled or pass away.

For cars, cards and more

You can purchase protection for credit card balances, personal loans or auto financing.

Financial relief

Depending on the circumstances, payments may be skipped or your loan cancelled altogether.

Convenient payments

Loan protection charges can be rolled right into your monthly loan payment.

Need to know more?

You can contact the CoastHills team for a free consultation.

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

¹ Contract terms and maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age.
² Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
³ One occurrence per rolling 12 months for all events. Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.


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.

Learn More

Here to help

No matter your inquiry, give us a call at (805) 733-7600, toll-free at (800) 262-4488, or use one of our other convenient contact methods.