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Auto Refinance

We're Celebrating 65 Years!

Together we could make a pretty great team when it comes to your personal finances. If you have your vehicle financed at another financial institution, save money by moving your auto loan to Sandia Area. Sandia Area members saved over $2.84 million this past year in auto loans.*

  • Special rates starting at 1.65% APR1 for 48 months
  • No payments for 90 days2
  • No refinance charge
  • We’ll fill your tank! Get a $65 gas card when you refinance with us3

Refinance Now


Auto Refinance Rates
Effective Date: 04/01/2021 for vehicle model years 2018-2021
Term in MonthsAPR1 as low as
1-36 1.65%
37-48 1.65%
49-66 2.24%
67-75 2.49%
76-84 2.59%

Sandia Area membership required for all loans. Other rates, terms and model years available.

1. APR=Annual Percentage Rate effective as of  04/01/2021. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants.


*When compared to national averages for rates at banks and credit unions, members who’ve purchased or refinanced an auto loan with Sandia between February 2020 and January 2021 have saved over $2.84M in interest costs alone. National average rates February 2020 and January 2021 from Bankrate.com via statista.com. More terms and rates available.  2. Interest accrues during deferral period. 3. $65 gas card upon closing for loans of $5,000 or more.

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