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Should I Refinance?
Still not sure if this is your best option? Read our blog article to learn more about when to refinance!
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Your Same Ride.
Your Same Ride.
Our Low Auto Rates!
Car payment too high? You aren't stuck with a high-interest auto loan. Refinance with Sandia Area and you could:
- Enjoy rates as low as 3.89% APR1
- Lower your monthly payments
- Pay your vehicle off faster
Plus, you'll enjoy 90 days with no payments!2
Refinance TodayAuto Refinance Rates
Effective Date: 03/04/2026 for vehicle model years 2022-2026
| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 3.89% |
| 37-48 | 4.19% |
| 49-66 | 4.59% |
| 67-75 | 4.99% |
| 76-84 | 5.39% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 03/04/2026. 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. All consumer loans are charged simple interest with no pre-payment penalty. The 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 the application. Terms up to 84 months available. Up to 125% financing. | |
Your Road to Savings
Benefits of Refinancing
Refinancing your ride with Sandia Area is simple. From the moment you apply to the day funds are ready, we keep the process clear and quick so you can focus on the road ahead. Here's how it works in three easy steps.
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Lower Rate
Competitive rates as low as 3.89% APR1 for 36 months.
Easy Start
Buy Now, Pay Later
No payments for 90 days.2
No Surprises
No Hidden Fees
No refinance charges, no early payoff or prepayment penalties.
See How Much You Can Save On Your Auto Loan!
Discover how refinancing your car loan with Sandia Area can free up cash for your next adventure.
Refinance Today
Don't Leave Money Behind
See how refinancing your auto loan with Sandia Area can save you money for your next adventure!
Refinance TodayInszone Insurance
Essential Protection for Your Auto
Sandia Area partners with Inszone Insurance to provide reliable auto insurance options, with the coverage that fits your needs. Get a quote today!
Learn More
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. Other rates, terms and model years available. 2. Interest accrues during the 90-day deferral period.
