We’ve been alerted to fraudulent text messages and phone calls impersonating North Coast’s Fraud Department inquiring about a scheduled transfer and then requesting personal and account information. Please refrain from responding to such requests. If you receive suspicious messages or have any inquiries contact us directly at 800-696-8830. Your vigilance dealing with these scammers is crucial in safeguarding your personal information.
Need Money
We all have unique needs and circumstances. At North Coast we understand this and look forward to discussing all of the many loan options available to you. We evaluate and approve our loans locally and we don't sell our loans to other institutions. We listen carefully, so tell us your story, and we will work hard to match you with the loan that best meets your needs. You can apply for a loan from this page or by calling us at 800-696-8830. If you are not a member yet, don’t hesitate to contact us, we want to provide you with the same informative, friendly service we’re known for.
Click on the corresponding link below to learn more and apply.
Vehicle
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| NEW / USED VEHICLES | 1- 84 Months | 6.720% to 18.970% APR* |
| NEW / USED MOTORHOMES | 1- 120 Months | 8.250% to 11.625% |
| BOATS, MOTORCYCLES, ATVS, JET SKIS, HORSE TRAILERS and SNOWMOBILES | 1- 60 Months | 8.500% to 10.375% APR* |
APR= Annual Percentage Rate. Your rate will be within the range shown above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.
Real Estate
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| LOT LOANS (Serviced Lots) | 5/1 Adjustable rates, up to 30 year amortization | 10.000%-10.500%APR* with 1% Fee |
| REAL ESTATE | click to see today's rates | |
| HOME EQUITY 2nd LIEN | 5/1 Adjustable rates for 30 years | 8.750% - 11.750% APR* with 1.00% fee |
| HOME EQUITY LINE OF CREDIT (HELOC) 5yr draw | 20 years - 5 year draw and 15 year repayment | 8.500% - 11.500% APR* (Variable Rate) |
| NON-EQUITY HOME LOAN (Under $20,000) | Fixed up to 120 months | 10.000% to 14.000% APR* |
APR = Annual Percentage Rate
Personal
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| PERSONAL LOAN UNSECURED | Monthly payments up to 60 months | 11.500% to 19.500% APR** |
| SMART LINE OF CREDIT | Interest only Payments | 14.500% to 17.000% APR* (Variable Rate) |
| LINE OF CREDIT - UNSECURED | Interest only Payments | 15.500% to 18.000% APR* (Variable Rate) |
| CD SECURED | CD must be pledged throughout term of loan | Certificate Rate plus 4.000% APR* |
| SHARE SECURED | Up to 10 Years | Share Rate plus 4.000% APR* |
APR = Annual Percentage Rate
Credit Card
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| CREDIT CARD | Monthly payments minimum 1.5% of balance | BIG Rewards Credit Card 11.99% to 16.99% APR* |
| Monthly payments minimum 1.5% of balance | No Fee Credit Card 13.99% to 17.99% APR* |
APR = Annual Percentage Rate
Making A Payment from an Outside Source
Use Magic Wrighter to make payments from another financial institution to your North Coast Loan or Credit Card.
When using a debit card there will be a processing fee, but same day posting. If you use a checking account, please have your account number and routing number available. There are no fees for this option, but there will be a delay in posting. If a payment is processed on a Friday it will post the next business day. You will receive an email confirmation once the payment is deducted from your account, so a current email is required. Any changes need to be made three full business days prior to the due date. When using Magic Wrighter you are the only one that can make changes, including cancelling automatic payments when the loan is paid in full. North Coast is unable to make any changes.
