Carlos Alberto Espinoza Loayza (born 23 February 1985) is a Chilean football goalkeeper who plays for Geelong SC in the Victorian State League Division 2 North-West in Victoria, Australia.
Espinoza previously played for Puerto Montt and Huachipato in the Chilean Primera División, and for Puerto Montt and Coquimbo Unido in the Primera B.
He was a member of the Chile under-20 team at the 2005 FIFA U-20 World Cup: he made one appearance, in the round of 16 as Chile lost 3–0 to the Netherlands.