Questions about a loan?
We are here to help.
Online Application
Our easy online loan application takes just five minutes to fill out and you will receive a decision on your loan immediately. You’ll want the following information ready for your application:
- Loan amount
- Preferred term in months
- Personal information (SSN, address, employment, income)
Apply now for a car loan
Auto Loan Rates
| Loan Term |
New Car APR* |
Used Car APR* |
36 Month
How is this calculated
Eliminate Debt
New 36 Month 1.85% (1.85% APR) at 36 months for a $20,000 loan would result in a monthly payment of $571.54.
Used 36 Month 2.40% (2.40% APR) at 36 months for a $20,000 loan would result in a monthly payment of $576.35.
|
new auto rates starting at
1.85% |
used auto rates starting at
2.40% |
48 Month
How is this calculated
Eliminate Debt
New 48 Month 2.30% (2.30% APR) at 48 months for a $20,000 loan would result in a monthly payment of $436.53.
Used 48 Month 2.80% (2.80% APR) at 48 months for a $20,000 loan would result in a monthly payment of $440.92.
|
new auto rates starting at
2.30% |
used auto rates starting at
2.80% |
60 Month
How is this calculated
New 60 Month 2.65% (2.65% APR) at 60 months for a $20,000 loan would result in a monthly payment of $356.27.
Used 60 Month 3.20% (3.20% APR) at 60 months for a $20,000 loan would result in a monthly payment of $361.15.
|
new auto rates starting at
2.65% |
used auto rates starting at
3.20% |
72 Month
How is this calculated
New 72 Month 2.90% (2.90% APR) at 72 months for a $20,000 loan would result in a monthly payment of $302.98.
Used 72 Month 3.45% (3.45% APR) at 72 months for a $20,000 loan would result in a monthly payment of $307.92.
|
new auto rates starting at
2.90% |
used auto rates starting at
3.45% |
Want an even better auto loan rate?
Enjoy a .25% APR* discount on your next auto loan when you have the FAIRWINDS Visa Signature® card.
Learn More about our Visa Signature card.
|
|
*APR = Annual Percentage Rate
Rates are current as of 05/01/2022. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Discounted Rate: Rates above include a .10% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .10% in the event payment is discontinued. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid.
Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.
|
FAIRWINDS Member Reviews
Auto Loans is rated
4.9 out of
5 by
1772.
Rated 5 out of
5
by
CTW from
Super quick and easy
Evelina is great! Felt like I was in and out with a secure and fair transaction. Would highly recommend!
Date published: 2022-05-13
Rated 5 out of
5
by
Mariposa12 from
Very easy and quick
I have been a member of Fairwinds for a while and recently needed to apply for a car loan. It was quick and easy, and even with some bumps along the road (from the dealership, not Fairwinds) they were able to switch gears and help me out quickly and efficiently.
Date published: 2022-05-13
Rated 5 out of
5
by
Rex from
Great Customer experience
Associate (Jordon) was efficient, know his customer by name and executed the transaction fast and trouble free.
Overall it was a pleasant experience.
This loan refinance was initiated and completed on the phone by Miss Sunita hassle free at my convenience.
Date published: 2022-05-13
Rated 5 out of
5
by
Darrell L from
Great Process
The process to do my auto loan was easy and quick.
Date published: 2022-05-05
Rated 5 out of
5
by
MSJ from
pleasant experience
When I refinanced my auto loan at Fairwinds in Longwood I was so pleasantly surprised at how easy and pleasant an experience it was. I was treated respectfully yet in a friendly way. I would recommend them highly to anyone.
Date published: 2022-05-01
Rated 5 out of
5
by
Elmer from
They were awesome
Miss Denise was very professional and very Helpful The Best
Date published: 2022-05-01
Rated 5 out of
5
by
Eljay from
Me and my new Destiny
I have been a member of Fairwinds for ten years now and proud to say that. They have been for me when I needed them the most. Each time I came to them for a loan or finical advice they have been there for me and my family, Even when I was turned down by them once they told me why and how I could correct the situation to be approved at a later date.
Date published: 2022-04-29
Rated 5 out of
5
by
skg from
great rates
I became a member 3 years ago with a bank officer. I had a great experience so I went back to the same location close to my office. The same person that took care of me 3 years ago did a great job and handled my financing. excellent job, many thanks.
Date published: 2022-04-25
