Rates Are Falling!

Car payment too high? Don't pay more than you need to for your auto loan. It's the season of savings when you refinance with Sandia Area! You could:

  • Enjoy rates as now as 4.99% APR1
  • Lower your monthly payments
  • Pay your vehicle off faster

Plus, you'll enjoy 90 days with no payments!2

Auto Refinance


Benefits of Refinancing:

Competitive Rates

Competitive rates as low as 5.99% APR1 for 84 months

No finance or refinance charges

As low as 4.99% APR1 for 48 months

Easy online application process

No payments for 90 days2

No early payoff or pre-payment penalties

No refinance charges, No early payoff or prepayment penalties

Refinance Now

Auto Refinance Rates
Effective Date: 08/07/2024 for vehicle model years 2021-2024
Term in MonthsAPR1 as low as
1-36 4.99%
37-48 4.99%
49-66 5.29%
67-75 5.59%
76-84 5.99%

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 08/07/2024. 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. 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. Terms up to 84 months available. Up to 125% financing.

2. Interest accrues during the 90-day defferal period.

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.

Current Loan

Proposed Loan