Shift into Savings!

Ready to lower your current auto loan payment?

High car payment? You aren’t stuck.

Refinance every vehicle in your driveway, and start saving money every month on your car payments! Better rates mean higher savings.

  • Lower your monthly payments
  • Pay less interest for your vehicle
  • Enjoy 90 days no payments!1

Refinance Now

Auto Refinance


Benefits of Refinancing:

Competitive Rates

Competitive rates as low as 4.99% APR2

No finance or refinance charges

No payments for 90 days1

Easy online application process

No early payoff or pre-payment penalties

No early payoff or pre-payment penalties

No refinance charges

Refinance Now


Protect Your Purchase

Debt Protection

Debt Protection

Protect your loan with Debt Protection with Life Plus and look out for the ones you love in case of involuntary unemployment, disability, or death.

Learn More

 

Mechanical Repair Coverage

MRC

Don't let an unexpected repair bill break your budget. Mechanical Repair Coverage has your back!

Learn More

 

Guaranteed Asset Protection

Guaranteed Asset Protection

GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

Learn More

 

Auto Refinance Rates
Effective Date: 12/20/2023 for vehicle model years 2021-2024
Term in MonthsAPR2 as low as
1-36 4.99%
37-48 5.59%
49-66 5.89%
67-75 6.09%
76-84 6.59%
Federally insured by the NCUA. An Equal Opportunity Lender. Other rates, terms and model years available. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. Interest accrues during the 90-day deferral period. 2. APR = Annual Percentage Rate effective as of 12/20/2023. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Interest accrues during the 90-day deferral period. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants.

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