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Auto Loans

We Make Financing Your New or Used Car Simple

Want to get pre-qualified before you start car shopping, or already found a vehicle you want to purchase? We offer competitive rates, an easy application process, and quick approval.

          Apply now for vehicle loan  


New and Used Auto Loan Rates
Effective Date: 06/26/2019 for vehicle model years 2015-2020
Term in MonthsAPR1 as low as
1-36 2.99%
37-48 3.64%
49-66 3.74%
67-75 3.89%
76-84 4.39%

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

1. APR=Annual Percentage Rate effective as of 06/26/2019. 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. 2. Payment example based on $28,000 loan and maximum term.

 

Save Money By Refinancing Your Existing Auto Loan

Already have your vehicle financed elsewhere? Save money by moving your auto loan to Sandia Area.

  • Option of no payments for 90 days1⁠— think of all the ways you can spend the extra cash
  • Skip up to 2 payments a year2 ⁠— with the option of skipping a payment every summer and winter, you'll free up much needed room in your budget for vacations and holiday purchases
  • Get a $50 gas card when the loan closes3
  • There's no refinance charge

Refinance Now ►


Auto Refinance Rates
Effective Date: 10/15/2019 for vehicle model years 2015-2020
Term in MonthsAPR1 as low as
1-36 1.99%
37-48 2.99%
49-66 3.19%
67-75 3.69%
76-84 3.99%

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

1. APR=Annual Percentage Rate effective as of 06/26/2019. 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. 2. Payment example based on $28,000 loan and maximum term.


More terms and rates available. 1. Interest accrues during deferral period. 2. Loans where fewer than three payments have been made are NOT eligible for the Skip-A-Payment Program. If approved, your regular monthly payments will resume immediately following the month. Loan(s) must be current at time of Skip-A-Payment. This request does not change your legal obligation to the Credit Union. Your agreement with the Credit Union provides for regular monthly payments and the Credit Union is merely informally permitting you to defer payment for the month indicated. Interest will continue to accrue on the unpaid balances during the month you skip your payment. There is a $30 processing fee that will be applied to the principal loan balance for all Skip-A-Payment requests. The effect of this $30 processing fee will be to increase the Annual Percentage Rate (APR) and finance charges on the balance of your loan. The effective Annual Percentage Rate (APR) and the corresponding finance charge will be disclosed on your periodic statement. 3. $50 gas card upon closing for loans $5,000 or more.

 

Calculate Your Loan Payment

Looking to purchase or refinance a vehicle? Use the calculator to get your estimated loan payment.

InternetActive Calculators™
Car Loan Calculator
Cost of Vehicle:
Down Payment:
Vehicle Trade-In Value (if any):
Interest Rate:
Number of Months:
Additional Principal Per Month:
Calculate Payment Only
Calculate Payment and Display Amortization Schedule

 

 

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