Auto Loans
Drive into summer with low auto rates!
Summer is the perfect time to upgrade your ride! Whether you're browsing or ready to buy, we make financing simple.
When you use Sandia Area to purchase your next set of wheels, you enjoy
- Rates as low as 4.79% APR1
- Up to 90 days with NO payments!2
| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 4.79% |
| 37-48 | 5.29% |
| 49-66 | 5.79% |
| 67-75 | 5.99% |
| 76-84 | 6.29% |
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. “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 application. Terms up to 84 months available. Up to 125% financing. | |
2. Interest accrues during 90-day deferal period.
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 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.
Finance right at the dealership!
Just ask for a Sandia Area loan when you make your purchase at your favorite dealership, and enjoy Sandia Area’s great rates and up to 90 days no payments!2