We want you to have the car — not the debt.
Our philosophy is simple: we don't want you to have debt — but if it's unavoidable, we'll help you pay it off as quickly as possible.
Financing the FAIRWINDS way means less interest, more freedom.
About 60% of used car purchases are made with cash.
Our members choose short-term financing 2X more than long-term.
Use Change it Up and Freedom Payments to accelerate payoff.
We don’t offer these — higher cost, higher risk, less freedom.
Speed up paying down your loan.
We want you to pay us as little interest as possible. That’s why we created programs to help you own your car faster.
Freedom Payments
Make extra principal balance payments anytime or schedule ahead.
Change it Up
Round up debit card purchases to the nearest dollar and apply to your balance.
Biweekly Payments
Choose biweekly payments to reduce interest and pay faster.
How much can you actually save?
Along with lower rates, see how much a shorter term can really save you in interest.
Low Rates
Starting at ... — and can go even lower when paired with other FAIRWINDS services like the Visa Signature® Credit Card or Community Heroes Auto Program.
Refinance Bonus
You can earn up to $600 when you refinance your auto loan! That would make quite a dent in your total loan amount.
Community Heroes Auto Program
Exclusive 0.50% rate discount when you set up automatic payments for first responders, medical professionals, military personnel, government employees, and educators.
Exclusive Member Savings
Looking to refinance?
If you need to get out of a high-interest or long-term loan, you’ll receive all of our exclusive benefits to help you pay down your loan faster. Plus, earn up to $600 back!
Find your next car.
Our online car-buying service and network of preferred dealers are available to help you save you time and money when looking for your next car.
Choose a shorter term and see how you can be debt free faster.
The quicker you pay off your car, the more freedom you'll have to save, invest, and build wealth.
Get StartedThis calculator is for illustrative purposes only and is not a guarantee of credit.