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Simplify your debt

Turn your multiple high interest payments into one manageable monthly payment. Sandia Area can help you start the journey to financial freedom in just a few steps!

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Simplify Debt  

Features

  • 8.99% APR1,2 for terms up to 48 months
  • 9.99% APR1,3 for terms from 49 to 60 months
  • Consolidate high-rate credit cards, fund an education, save for what matters
  • Reduce credit card utilization rate
  • No application fees
  • No transfer fees
  • No closing costs
  • Borrow up to $40,000

The benefits of a personal loan

One monthly payment

Predictable Payments

Pay one monthly payment every month. No guessing, juggling bills, or budgeting for multiple minimum monthly payments.

 

Fixed Interest Rate

Fixed-Interest Rate

Unlike a credit card, your rate will never change and with a rate as low as 8.99% APR1,2, you'll save thousands compared to a high-rate credit card.

Cash for Anything!

Cash for Anything

Use your funds for anything! Consolidate debt, pay for an event or a trip, or even an education—no collateral required. 


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With a fixed rate personal loan, you could save over $15,000 in interest paid* when you combine your variable interest rate debt into one, manageable payment.

Save with a personal loan!

*Estimated Variable Interest Rate total interest paid based off of a $40,000 balance with an estimated interest rate of 24.25% APR with a term of 48 months. Estimated Fixed Interest Rate total interest paid based off of a $40,000 balance with an 8.99% APR with a term of 48 months. As calculated by CreditKarma.com.


 

What's the process?

Apply Online

Easily apply online any time 

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Once Approved

Once approved, use your personal loan to consolidate debt, fund an education, or save for what matters

8.99% APR

Move forward with one, simple low rate

 


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Sandia Area is an Equal Opportunity Lender and membership is required. All loans are subject to credit approval. Rates and programs are subject to change without notice. We reserve the right to remove this promotion at any time. The Sandia Area signature loan is fixed for the loan term you select and are approved for. The Sandia Area signature loan has a max term of 60-months and max loan amount of $40,000. Visit sandia.org/forward for complete details. 1. APR = Annual Percentage Rate. 2. The 8.99% APR is accurate as of 01/15/2024 and good for new signature loans only up to 48 months. Loan Payment Example: Estimated monthly payment of $995.22 for 48 months with a  loan amount of $40,000 at 8.99% APR. 3. The 9.99% APR is accurate as of 01/15/2024 and good for new signature loans only with a term of 49-60 months. Loan Payment Example: Estimated monthly payment of $852.99 for 60 months and loan amount of $40,000 at 9.99% APR.

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