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Personal Loans

When you need a little extra cash, Sandia Area is the place to start.

Loans for whatever you need.

Whatever your personal needs—debt consolidation, college tuition, a vacation, laser eye surgery or anything in between, a Signature Loan or Readi-Cash line of credit from Sandia Area can help. Our competitive rates and flexible terms put our signature loans within reach. You can use the loan for furniture, medical expenses, appliances, vacation, back-to-school needs, or virtually anything!

Flexible financing for you.

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Borrow from $500 to $20,000 on approved credit with competitive rates and terms up to 48 months.

Use a Signature Loan for almost anything, including:

  • Car repairs
  • Vacations
  • Home improvements
  • Education costs
  • Medical bills
  • Taxes
  • Debt consolidation
  • Elective surgery

We also offer Savings Secured Loans

Want one of the lowest loan rates available anywhere? Borrow against your savings. Use your savings or certificate account as collateral for a loan.1


Sandia Area Membership required. Click here for information on rates and terms. Signature Loan payment example: monthly payment of $63 on a $2,500 loan for 48 months at a fixed APR of 9.50%. 1For Share Secured Loans, the annual percentage rate will be the current share dividend rate (Index) in effect on deposits of at least $5000.00 plus 3.0% (margin). The rate is subject to change monthly on the 1st day of each month to reflect any change to the index. Share Secured Loan example: monthly payment of $25 on a $2,500 loan for 120 months at 3.10% APR.

Establish now and borrow as the need arises.

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With competitive rates and terms up to 36 months, your Readi-Cash Line of Credit offers the flexibility you need with affordable monthly payments.

With easy transfer to your Sandia Area checking account, your line of credit can provide great overdraft protection for your account.


Sandia Area membership required. All loans on approved credit. Readi Cash Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 5.00% as of 6/14/18. When a range of rates has been published, the highest rate will be used. The current margin is 5.50% and is subject to change. Ready Cash Line of Credit example: monthly payment of $81 on a $2,500 loan for 36 months at 10.50% APR. 

Financial Calculators

Loan Payment Calculator ►

Advanced Loan Calculator - how will extra payments affect your loan? ►


Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed.

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