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.

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Financing the FAIRWINDS way means less interest, more freedom.

0 Months

Buy with Cash

Freedom from another payment starts here.

About 60% of used car purchases are made with cash.^*

36-48 Months

Finance Short-Term

Need a loan?

Keep it short.

Our members choose short-term financing 2X more than long-term.

60-72 Months

Finance Long-Term

You can speed up paying down this loan.

Use Change it Up and Freedom Payments to accelerate your payoff.

84 Months

The 7 Year Loan

We’re not even going to talk about these...

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

Rates start at 4.39% — and can go even lower when paired with other FAIRWINDS services like the Visa Signature® Credit Card, Business Membership, 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!

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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.

Learn More

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 Started

This calculator is for illustrative purposes only and is not a guarantee of credit.

All loans are subject to credit approval.

Auto Loan rates and fees may vary depending on the loan source and application type. The rates shown apply to applications submitted directly through a FAIRWINDS branch or at FAIRWINDS.org. Applications submitted through third-party partners may be subject to different rates and fees. These terms do not apply to commercial or cash-out refinance loans.

To qualify for the Hero Auto Loan discount, applicants must be pre‑approved by FAIRWINDS Credit Union with the discount applied prior to purchasing a vehicle from a dealership. The discount is available for direct financing through FAIRWINDS and is not retroactive — it cannot be applied after financing has been finalized or to loans that have already closed. This discount is not available for internal refinances of existing FAIRWINDS auto loans.

Membership eligibility requirements will apply.

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.

1APR = 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.

^* Cox Enterprises. (2022, May 12). Key Takeways from Car Buyer Financing Study. https://www.coxenterprises.com/news/key-takeaways-from-car-buyer-financing-study

^**Special cash bonus promotional offers 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.