This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Sandia Area Go to main content

Refinance Your Vehicle Loan

Save big on loans refinanced from other institutions!

It's YOUR auto loan. MOVE it!

Is your vehicle financed elsewhere? Move your auto loan to Sandia Area for low rates that could help save money. Even small monthly savings can add up over the life of your loan! We've helped thousands of people save money. Let us help you too. Apply online and you'll be on the road to savings in just a few minutes. Plus, there's no refinance charge.

  • Low rates when you refinance your loan from another institution - refinancing your auto loan to a lower rate can save you money every month and BIG money over the life of the loan.
  • Option of no payments for 90 days1- think of all the ways you could spend the extra cash!
  • Skip up to 2 payments a year2 - with the option to skip a payment every summer and winter, you'll free up some room in your budget for your suimmer vacation and the holidays!

          Apply Now ►


All 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. Payment example (based on $20,000 loan): $363 for 60 months at 3.39% Annual Percentage Rate (APR). More terms and rates available. 1. Interest accruses 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.




 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 ►
Debt Protection ►
Guaranteed Asset Protection ►

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