If you're looking to finance, refinance, or lease a car, Coast Capital Auto Finance is worth checking out. With flexible, low-interest and competitive car loans, they put money back in your pocket. Plus, as a Certified B Corp, they reinvest 10% of their profits each year back into the communities they work, live and serve in. The best part? You can apply online in as little as 10 minutes.
Financing is available for new or used vehicles through a dealership or private sale, including consumer, business, commercial, and fleet units. Unfortunately, you won't be able to find out what rates are available until you apply. You'll need a good credit score and decent income to qualify, however, so these aren't loans for people with poor credit.
Coast Capital Auto Finance features
Here's what Coast Capital has to offer in terms of auto financing.
Why You Want It
Apply in as little as 10 minutes + Get low-rate and flexible financing.
Special Features
- Coast Capital is a certified B Corporation
- Financing, refinancing, and leases available
- No payment for the first 90 days
Eligibility
- Must be legal age of majority
- Financing is not available for students or people with limited credit
- Can't have a SIN that starts with a 9
- Anyone with a prior insolvency doesn't qualify
Provinces
AB, BC, MB, NB, NL, NS, ON, PE
Features
Pre-approval
Flexible Terms
Loan Amounts
N/A
APR Range
N/A
Term Range
24-84 months
Minimum Credit Score
See Issuer for Details
Secured Available
Coast Capital Auto Finance product rating: 1.2 stars
Coast Capital Auto Finance has a lot to offer. With a simple application process, flexible terms, potentially low interest rates, and a number of financing options, they're definitely worth exploring if you're looking for a car loan. And as a certified B Corp, they've shown themselves to be a trustworthy company that uses their business as a force for good.
They lost a few points for having fairly stringent eligibility requirements, as well as having limited availability across Canada.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of Coast Capital Auto Finance
Here's what this car financing company has going for it.
Pros
Coast Capital is a B Corp
B Corporations are certified by the nonprofit B Lab as meeting (very) high standards of social and environmental performance, accountability, and transparency. B Lab is working to redefine what "success" in business means, encouraging businesses to improve the world through positive social and environmental impact. Becoming certified as a B Corp is a long and difficult process, and is really kind of a big deal.
Financing, refinancing, and leases available
Whether you're looking to buy a new or used car, refinance your current vehicle, or lease a vehicle, Coast Capital has options for you. This includes consumer, business, commercial, and fleet units, including light and medium-duty trucks up to 1 ton. Loans and leases are also available for exotic vehicles, if you're looking for something a little fancier.
Easy applications and quick approvals
Applying for a car loan through the Coast Capital website is straightforward, and they say they'll get back to you the same business day. You'll have to send some documentation at that point, and you'll have a chance to discuss rates and terms. Once that's all sorted out, your loan will be finalized.
Potentially low interest rates
Interest rates start low, but what you're offered depends on a number of factors. Unfortunately we were unable to find any information about possible maximum rates at this time.
The cons of Coast Capital Auto Finance
There are a few caveats you should be aware of before getting started.
Cons
You'll need to have a good credit score
Coast Capital Auto Financing isn't designed for people with poor credit. You'll need a good credit score and no past insolvencies on your record in order to qualify.
You'll need a decent income
To get a car loan from Coast Capital, you'll have to meet certain financial criteria, which normally means you'll need a good income (or at least the ability to service a certain amount of extra debt each month).
Only available in 8 provinces
Coast Capital car loans are available to residents who are the age of majority in British Columbia, Ontario, Nova Scotia, New Brunswick, Manitoba, Prince Edward Island, Alberta, and Newfoundland and Labrador. If you live in Saskatchewan, Quebec, or any of the territories, you'll have to look elsewhere for your car financing needs.
Coast Capital Auto Finance alternatives
Here's now Coast Capital Auto Finance measures up to some other loan companies in Canada.
 |  |  |  | |
|---|---|---|---|---|
| Account | Coast Capital Auto Finance | Car Loans Canada | LoanConnect | Borrowell Personal Loans |
| Genius Rating | ||||
| Why You Want It | Apply in as little as 10 minutes + Get low-rate and flexible financing. | Only shows preapproved loan options + Rates starting as low as 6.99%. | Flexible loan options from $500 to $60,000 + Interest rates start at 8.99%. | Free credit score monitoring + Get funds quickly with reasonable rates. |
| Pre-approval | | | | |
| Flexible Terms | | | | |
| Loan Amounts | N/A | N/A | Up to 60,000 | See Issuer for Details |
| APR Range | N/A | 8.99% and up | 8.99%-46.96% | See Issuer for Details |
| Term Range | 24-84 months | 12-96 months | 3-120 months | 6-120 months |
Show More | ||||
| Find a loan See more Coast Capital Savings products Compare | Find a loan See more Car Loans Canada products Compare | Find a loan See more Loanconnect products Compare | Learn More See more Borrowell products Compare |
FAQ
Are Coast Capital car loans available across Canada?
Unfortunately, Coast Capital car loans are not available to people in Saskatchewan, Quebec, or any of the territories. You can learn more about eligibility requirements here.
Can I get a Coast Capital car loan with poor credit?
Coast Capital auto financing is not designed for people with poor credit. If you have bad credit, or little credit history, you won't qualify for car financing from them.
* Rates and terms subject to standard lending criteria. Please see details here.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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