Vehicle Loans


Travel the Road. Explore the Waters. Let's Get You Going.

Whether you're commuting to work, exploring the open road in an RV, relaxing on a boat, or feeling the wind on your motorcycle, CoastHills is here to make your journey more affordable. With low loan rates and flexible terms,* we help you keep more money for gas, snacks and weekend getaways.

If you can drive it, we can finance it

From cars, trucks and SUVs to motorcycles, boats and RVs, if it moves, there's a good chance we can help you finance it.

Easy repayment options

Many of our vehicle loans offer repayment terms up to 84 months. For boats and RVs, you can stretch the loan up to 240 months.

Get pre-approved

Get pre-approved with CoastHills before visiting the dealership, so you know how much you can afford and can shop with confidence.

Shopping made simple

Take advantage of our free AutoSMART service, where you can compare prices and browse inventories to find the best deal.

Apply anytime, anywhere

You can apply for financing online, at one of our branches, or directly  from your favorite dealership.

Get pre-approved before you start shopping for your next vehicle. Knowing what you can afford helps you shop with confidence. Pre-approvals are valid for 60 days, so you can take your time finding the perfect vehicle.

Apply online, visit a local branch, or call us at (855) 774-5626 to get started.

We've teamed up with AutoSMART, one of the best auto-buying services around. Create your dream car, compare prices and browse new and used vehicle inventories from local dealerships 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 several popular locations on the Central Coast. Simply visit a participating dealer and let them know you'd like to finance with CoastHills. The process only takes a few minutes.

To find a participating dealership, call the CUDL dealership locator at (888) CU-DIRECT.

Car Insurance

*Subject to credit approval. Some restrictions may apply.

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

FAQs

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

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, toll-free at (800) 262-4488, or use one of our other convenient contact methods.