Shift into Savings!
Ready to lower your current auto loan payment?
High car payment? You aren’t stuck.
Refinance every vehicle in your driveway, and start saving money every month on your car payments! Better rates mean higher savings.
- Lower your monthly payments
- Pay less interest for your vehicle
- Enjoy 90 days no payments!1
Benefits of Refinancing:
Competitive rates as low as 4.99% APR2
No payments for 90 days1
No early payoff or pre-payment penalties
No refinance charges
Protect Your Purchase
Debt Protection
Protect your loan with Debt Protection with Life Plus and look out for the ones you love in case of involuntary unemployment, disability, or death.
Mechanical Repair Coverage
Don't let an unexpected repair bill break your budget. Mechanical Repair Coverage has your back!
Guaranteed Asset Protection
GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.
Auto Refinance Rates
Effective Date: 12/20/2023 for vehicle model years 2020-2023
| Term in Months | APR2 as low as |
|---|---|
| 1-36 | 4.99% |
| 37-48 | 5.59% |
| 49-66 | 5.89% |
| 67-75 | 6.09% |
| 76-84 | 6.59% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Other rates, terms and model years available. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. Interest accrues during the 90-day deferral period. 2. APR = Annual Percentage Rate effective as of 12/20/2023. 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. 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. Interest accrues during the 90-day deferral period. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. | |
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