Personal Loans

Whether you're looking to go back to school, need an emergency line of credit or want help consolidating credit card debt, Cal Coast is here to lend you the money you need at a lower rate. At Cal Coast, we want to alleviate stress, lower debt and help you live the life you deserve. 

Loans for Living Life Your Way

Higher Education

Student Loans

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees
Debt Consolidation

Signature Line of Credit

Do you have good credit, but you're experiencing unexpected bills or need help consolidating credit card debt? The Cal Coast Signature Line of Credit offers competitive rates with multiple repayment options. 

Signature Loan

Your Anything Loan

It's the perfect time to finally move forward with that home improvement project! Live comfortably and explore Cal Coasts Signature Loans for anything from home renovations to covering wedding and funeral costs.   

Common Personal Loan Uses:

  • Lifeline for unexpected financial emergencies (hospital bills, loss of income, urgent car repair, etc.) 
  • Credit card and debt consolidation
  • Home improvements or repairs
  • Energy-efficient home remodels2
  • Students and adults pursuing degrees in higher education through our partner Sallie Mae®3,4
View Loan Rates

Comparing Loan Options

Signature Loan Signature Line of Credit Secured Signature Loan
APR1 As low as 10.88% APR As low as 14.50% APR As low as 3.00% APR with secured funds
Best For Those who want a lump sum and set monthly payments. Those who want revolving payments based on funds used. A Signature loan that can help build or repair credit.
Features No collateral needed. Loans up to $30,000. Terms up to 60 months. No prepayment penalty. No collateral needed. Loans up to $25,000. Open-ended Line of Credit. Loan secured by funds deposited with Cal Coast.5 Terms up to 84 months. No prepayment penalty.

More Options

APR As low as 3.98% APR  Varies
Best For Energy efficiency loans for California residents. Does not cover solar projects. See details for special program guidelines.2 Undergraduate and graduate students attending degree-institutions; parents and relatives who want to take out a loan for their student.3
Features Loans up to $50,000. Terms up to 15 years. No prepayment penalty. Competitive interest rates. Multiple repayment options. No origination fees. No prepayment penalty4

Other Loan Options

18-Month Emergency Personal Loan

  • No Fees
  • Rates as low as 4.98% APR
  • Loan amounts up to $5,000
  • Principal and Interest Payments over 18 months
  • Subject to credit review

Overdraft Line of Credit

  • Overdraft protection on Cal Coast checking accounts
  • No fees
  • Rates as low as 8.88% APR
  • Credit line of $1,000 with access as you need it
  • Subject to credit review
  1. APR = Annual Percentage Rate. Rates are accurate as of 03/25/2024. Rates and terms are subject to change without notice. Visit or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply. 
  2. Restrictions set by the State of California apply to GoGreen Home Energy Financing Loans. Details here or at
  3. These loans are made by Sallie Mae Bank or a lender partner. California Coast Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
  4. Although Sallie Mae Bank does not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. 
  5. Secured loans and lines of credit are limited to the funds in your California Coast Credit Union savings, Money Market or Certificate of Deposit account.

Contact Me

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.