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Auto Refinance

Sandia Area is the best choice for your auto loan

Why? Because Sandia Area is a credit union that puts you first by

  •  Providing better, affordable banking for everyone
  • Making our communities stronger
  • Setting you, our members, up for the best financial future

Not to mention our great rates starting at 1.75% APR1, no payments for 90 days2, and no refinance charges.

Refinance Now


Do you believe in caring for the earth and the people around you? Sandia Area can extend membership to anyone as long as they believe in these basic principles of permaculture. 

Auto Refinance Rates
Effective Date: 01/07/2022 for vehicle model years 2019-2022
Term in MonthsAPR1 as low as
1-36 1.75%
37-48 1.75%
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  01/05/2022. 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. 

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