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Auto Refinance

Refinance your auto loan for the road ahead

Sandia Area is here to assist you with your overall financial health and budget.

Refinance your auto loan from another lender and enjoy:

  • No payments for 90 days2
  • No refinance fees
  • 24/7 online applications, and loan closing from the comfort of your home
  • Great rates starting at 4.99%

Refinance Now


Auto Refinance Rates
Effective Date: 12/20/2023 for vehicle model years 2020-2023
Term in MonthsAPR1 as low as
1-36 4.99%
37-48 5.59%
49-66 5.89%
67-75 6.09%
76-84 6.59%

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

1. 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. “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.

More terms and rates available. 2. Interest accrues during deferral period.

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