New & Used Auto Loans
Financing Made Simple
Whether you’re browsing or ready to buy your next car, financing is easy with Sandia Area. Here’s what you get when you finance with us:
- Rates as low as 4.19% APR1 for 36 months
- Up to 90 days with NO payments!2
| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 4.19% |
| 37-48 | 4.49% |
| 49-66 | 4.99% |
| 67-75 | 5.29% |
| 76-84 | 5.69% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 3/4/2026. 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. All consumer loans are charged simple interest with no pre-payment penalty. 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 the application. Terms up to 84 months available. Up to 125% financing. | |
Wondering What Your Auto Loan Payments Could Be?
Use our Auto Loan Calculator to quickly estimate your monthly payments, plan your budget, and hit the road with the right loan!
Protect Your Loan
Essential Protection for Your Vehicle Loan
Guaranteed Asset Protection (GAP) may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss.
Learn More
Any calculator results are estimations only and in no way constitute an offer of credit. Membership eligibility and application is required. Subject to credit approval. See a representative for full details.
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details.
1. APR = Annual Percentage Rate effective as of 3/4/2026. 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. All consumer loans are charged simple interest with no pre-payment penalty. 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 the application. Terms up to 84 months available. Up to 125% financing.
2. Interest accrues during 90-day deferral period.
