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New or Used Vehicle Loans

This is how we roll.

Drive home with a great rate and much more

Financing a new or used car is made simple with a vehicle loan from Sandia Area. When you choose to finance your next auto purchase with Sandia Area, you'll enjoy: 

  • Rates for new cars as low as 2.34% APR1
  • Model years 2014 to 2018 qualify for new car rates
  • Up to 100% financing
  • Financing can include taxes, Debt Protection Insurance, Accidental Death & Dismemberment Insurance and GAP Insurance
  • Flexible terms available up to 84 months (7 years)1

          Apply Now ►


New Vehicle Loans (2014-2019 Model Years)
Effective Date: 08/09/18 for model years 2014-2018
APR1 as low asTerm in MonthsApproximate Payment2
2.34% 36 $576
3.29% 48 $445
3.39% 66 $333
3.59% 75 $298
4.09% 84 $274

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

1. APR=Annual Percentage Rate effective as of 08/09/18. 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 $20,000 loan.

You can also get Sandia Area financing right at the dealership!

For your convenience, you can finance your vehicle with a Sandia Area loan at participating dealerships when you buy your new vehicle. You'll receive the same rate you would as if you applied at the credit union. Just ask for a Sandia Area loan!


505-292-6343 ext 5
800-228-4031 ext 5



 Protect Your Loan

Sandia Area knows the importance of protecting your vehicle (and yourself).  The little “extras” can help turn a disaster into something manageable. That’s why we offer things like:

Vehicle Insurance ►
Guaranteed Asset Protection ►
Debt Protection ►

They can easily be added to your loan. The small amount each month can pay off big if the unexpected happens.