Your Ride. Our Low Auto Rates.
Financing Made Simple
Car payment too high? You aren't stuck with a high-interest auto loan—refinance with Sandia Area and you could:
- Enjoy rates as low as 3.89% APR1 for 36 months
- Lower your monthly payments
- Pay your vehicle off faster
Plus, you'll enjoy 90 days with no payments!2
Apply For Loan| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 3.89% |
| 37-48 | 4.19% |
| 49-66 | 4.59% |
| 67-75 | 4.99% |
| 76-84 | 5.39% |
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 03/04/2026. 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. All consumer loans are charged simple interest with no pre-payment penalty. The 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. | |
See How Much You Can Save On Your Auto Loan!
Discover how refinancing your car loan with Sandia Area can free up cash for your next adventure.
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.
