Auto Refinance Solutions

Own your car sooner — without the extra interest.

Smiling woman wearing sunglasses stands beside an open car door with mountains and trees in the background during golden hour.

Refinancing the FAIRWINDS way means less interest, more freedom.

Term
Choose a Shorter Term

A shorter term will help you save hundreds, even thousands, on interest.

Bonus
Up to $600 Refi Bonus1

Use your refi bonus to pay down your balance and own your car faster.

Payment
No Payments for 90 Days2

Make early payments and reduce your term even more.

Freedom
Pay Off & Move Forward

Pay off your loan, keep your car, and put those payments towards savings.

How Refinancing Works

Get Started

Step 1

Start your application online or in person with no impact on your credit score.

Step 2

Get a personalized offer showing your potential savings.

Step 3

Accept and finalize your refinance offer — your credit will be pulled.

Step 4

Set up Change it Up and make Freedom Payments to pay down your loan faster.

Earn Up to $600 for a Limited Time

Refinance with FAIRWINDS and get a cash bonus you can use where it matters most. Want to pay down your loan faster? Use your bonus to pay down your loan.

Loan Amount

Cash Bonus3

Under $20,000

$100

$20,000 - $29,999

$200

$30,000 - $39,999

$300

$40,000 - $49,999

$400

$50,000 - $59,999

$500

$60,000 and higher

$600

Current Rates

Footnotes

    Advertised monthly savings are based on the average expected reduction in monthly payments our members experience with their new loan compared to their prior loan payments, assuming all payments are made on time. Pre-qualified members may see estimated monthly savings based on the current loan information they provide, as well as loan information we receive from a credit reporting agency. Your actual savings may vary.

    1 Special cash bonus promotional offer and amounts are subject to change at any time. Loan amounts may include warranty products. The cash bonus will automatically be deposited into your FAIRWINDS account within 10 business days of auto loan refinancing. Certain restrictions apply. Limit one refinance cash bonus per vehicle. Refinance bonus does not apply to vehicles purchased through a third-party vendor. To qualify for the cash offer, the loan must originally be financed from another financial institution and refinanced at FAIRWINDS.

    2 Interest accrues from date of contract.

    3 Refinance bonus will be deposited into your FAIRWINDS account

    4 APR = Annual Percentage Rate. Rates are subject to change at any time, your actual APR may vary based on your individual credit history and other terms and conditions.

    Routing Number ⑆ 263181368