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Support Home Applying for a Loan Are loans through Sandia Area fixed rate or variable rate? Are loans through Sandia Area fixed rate or variable rate? All loans through Sandia Area have a fixed interest rate, which means it won't change throughout the term of the loan. Was this article helpful? 0 0 Related Questions: When and how do I receive my loan funds? If you accept your loan before 5:00pm ET Monday-Friday, you...… How do I apply for a loan? Please complete the brief online application that will include information...… Why do you need my social security information? We must collect and verify your personal information, including your...…