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Best for: North Carolina members refinancing a vehicle with up to 150,000 miles

Coastal Credit Union

Coastal Credit Union — published 3.99%–10.59% APR range by model year with terms up to 84 months.

Min credit
Not disclosed
APR
3.99%–10.59%
Max vehicle age
Not disclosed
Max mileage
150k mi

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"Not disclosed" means Coastal Credit Union does not publish this on their public site. "No restriction" means Coastal Credit Union explicitly states no limit.

Overview

Coastal Credit Union provides auto refinancing with terms up to 84 months and no prepayment penalties. As of October 2026, published rates range from 3.99% APR for the newest model years to 10.59% for older vehicles, depending on model year and term. Vehicles with up to 150,000 miles are eligible.…

What’s great

  • Published APR range of 3.99%–10.59%
  • No prepayment penalties
  • Up to 45 days until your first payment

What to know

  • Membership restricted to partner employees or family
  • Maximum mileage limit of 150,000 miles for standard rates

Eligibility

Minimum credit scoreNot disclosed
APR range3.99% – 10.59% (Rate depends on vehicle model year and loan term.)
Maximum vehicle ageNot disclosed
Maximum mileage150,000 miles
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementOpen to employees of partner organizations, their family members, or residents of select communities.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Coastal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Coastal Credit Union before applying.

  1. [1]Auto Loan Refinancing | NC Car Loan Interest Rates — Oct 2026 — Coastal Credit Union
    https://www.coastal24.com/products/credit-cards-loans/auto-loans/auto-loans-refinancing
    Last checked: October 2026
  2. [2]Auto Loan Rates | NC Credit Union Auto Loan Rates — Coastal Credit Union
    https://www.coastal24.com/products/credit-cards-loans/auto-loans
    Last checked: October 2026
  3. [3]Vehicle Payment Calculator | Estimate Car Payment — Coastal Credit Union
    https://www.coastal24.com/resources/financial-information/calculators/calculate-a-vehicle-payment
    Last checked: October 2026
  4. [4]Membership Qualifications | Coastal — Coastal Credit Union
    https://www.coastal24.com/Digital-Banking/Online-Applications/Join-Coastal-Credit-Union/Membership-Qualifications
    Last checked: October 2026