Drive off with auto loan savings.

Whether you want to purchase a new or used vehicle, we're here to help you save more.

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Benefits of Financing with FAIRWINDS

Low Rates

New auto loan rates as low as ... APR.¹

No Payments for 90 Days

Enjoy no payments for 90 days² when you purchase or refinance your car.

Earn up to $600

You can earn up to $600³ when you refinance your auto loan!

Freedom Payments

Pay down your principal loan balance and save on interest by making Freedom Payments.

Round Up Your Purchases

Pay down your loan balance automatically when you use our debit card round-up program, Change it Up.

Enjoy a Rate Discount

Receive a discount of .25% APR¹ on your auto loan with the Visa Signature® Credit Card.

Purchase

Are you in the market for a new or used vehicle? Use our online car-buying service or our network of preferred dealers to save you time and money.

Find Your Car

Refinance

Our refinancing options allow you to choose a shorter-term loan so you can pay off your loan faster and save money in the process. Plus, you can earn an auto refi bonus of up to $600!³

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Protect

You can drive with confidence knowing that you and your car will be protected with GAP, mechanical repair coverage, and credit life and disability insurance options to fit your budget.

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Save More with FAIRWINDS

Whether you want to purchase a new or used vehicle, we're here to help you save more.

Receive a .10% rate discount with automatic payments.
Receive a .25% rate discount with the Visa Signature® Credit Card.
Receive a .50% rate discount through the Community Heroes Auto Program.

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Want an even better auto loan rate?

Enjoy a discount of .25% APR on your auto loan with the Visa Signature® Credit Card.

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Choose a shorter term and see how much you can save.

Whether you’re buying your first car or looking to refinance and save thousands of dollars in interest, we are here to help you every step of the way.

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Not ready to apply? Get Pre-Qualified!

Whether you want to purchase a boat, motorcycle, or RV, we're here to help you save more.

Get Started

Step 1

Fill in your information with no impact to your credit score.

Step 2

Receive your personalized offer including APR¹and monthly payment options.

Step 3

When you are ready, submit an application for approval! A credit report will be obtained at this time. One of our Loan Officers will reach out to you to secure your offer.

Protect Your Loan

Whether you want to purchase a new or used vehicle, we're here to help you save more.

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Behind the wheel. Transportation, car rental, credit, buying a car, lifestyle, business concept

Make Your Leased Car Yours

Love your leased car and want to make it yours? Contact us at (888) 413-0652 to explore our lease buyout options!

Ready to Get Started?

We're here to help you save more, whether you're in the market for a new or used vehicle.

Apply Now

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.

²Interest accrues from date of contract. Excludes Internal Refinances and Third Party Vendor

³Special 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.