Vehicle Loans

Travel life's highways. Cruise California waters. We'll help you get out and go.

A car for commuting. An RV for exploring. A boat for unwinding. A motorcycle for that epic feeling of freedom. However you choose to move, CoastHills can make the journey more affordable with lower loan rates and flexible terms that leave you with more money for gas, road trip food, and weekend getaways.

If you can drive it....

Chances are we finance it. That includes cars, SUVs, trucks, motorcycles, boats and RVs.

Spread out payments

Take up to 84 months to repay many vehicle loans - up to 240 months for boats and RVs.

Get pre-approved

Before you visit the dealer, CoastHills lenders can let you know how much vehicle you can afford.

Shopping help

Get free access to our auto-buying website, AutoSMART, so you can compare prices and browse inventories.

Apply almost anywhere

Ready to get financing? Apply for CoastHills loans online, at our branches or directly from your favorite dealership.

  • Before shopping for your next vehicle, get pre-approved so you know what you can afford.
  • Take your time searching - pre-approvals are valid for 60 days.
  • To get pre-approved, apply online, stop by a local branch or give us a call at (855) 774-5626.
  • We've partnered with one of the best auto-buying services around, AutoSMART.
  • Build your dream car, compare prices, browse new and used vehicle inventories for dealerships right here on the Central Coast.
  • Lock in your price with a Member Purchase Certificate.
  • Our Credit Union Direct Lending (CUDL) program is accepted at many California dealerships - including many popular Central Coast locations.
  • Simply visit your favorite dealer and let them know you want to finance with CoastHills – the whole process only takes a few minutes.
  • To find a participating dealership, call the CUDL dealership locator at (888) CU-DIRECT.

Car Insurance

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.

*Subject to credit approval. Some restrictions 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

As part of our lending agreement, you'll need to ensure your vehicle is fully protected for the entirety of your loan. To do so, you'll need to contact your insurance company and list CoastHills Credit Union as your loss payee:

CoastHills CU
PO Box 790472
San Antonio, TX  78279-0472

Be sure your vehicle has full comprehensive and collision coverage with deductibles of $1,000 or less and that the primary or joint member is not excluded on the policy. Then send your declarations page to CoastHills by fax or email:

fax: (866) 690-7416
email: [email protected]

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.