Auto Refinance
Drive into summer with low auto rates!
Car payment too high? Don’t let high rates put the brakes on your budget! This summer, refresh your finances and save when you refinance with Sandia Area. You could:
- Enjoy rates as low as 4.49% APR1
- Lower your monthly payments
- Pay your vehicle off faster
Plus, you'll enjoy 90 days with no payments!2
Benefits of Refinancing:
Competitive rates as low as 5.79% APR1 for 84 months
As low as 4.79% APR1 for 48 months
No payments for 90 days2
No refinance charges, No early payoff or prepayment penalties
| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 4.49% |
| 37-48 | 4.79% |
| 49-66 | 5.29% |
| 67-75 | 5.59% |
| 76-84 | 5.79% |
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 05/14/2025. 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. 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. Terms up to 84 months available. Up to 125% financing. | |
2. Interest accrues during the 90-day deferral period.
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 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.
Inszone Insurance
With Inszone Insurance, you can customize policies for your vehicle, fast and hassle free! Plus, enjoy discounted policies just for being a Sandia Area member.
Learn
Should I Refinance?
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. Other rates, terms and model years available. 1. APR = Annual Percentage Rate effective as of 02/05/2025. 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. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 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. Terms up to 84 months available. Up to 125% financing. 2. Interest accrues during the 90-day deferral period.
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