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With an easy application, simple terms, fast approval and quick funding, buying your next vehicle is a breeze at FAIRWINDS.

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

 

Auto Loan Rates

Loan Type APR* APR*
1400 RR
APR*
3500 RR
New Vehicle starting at
2.20%
starting at
2.10%
starting at
1.95%
Used Vehicle starting at
2.45%
starting at
2.35%
starting at
2.20%
36 Month Special 36 month term
.89%
Learn More

*APR = Annual Percentage Rate

Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Discounted Rate: Rate discounts for automatic payment from a FAIRWINDS checking account will increase by .25% in the event payment is discontinued from a FAIRWINDS checking account. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid. Special offer 0.75% (0.89% APR) at 36 months for a $20,000 loan would result in a monthly payment of $568.

Rates are current as of 09/01/2016.

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 4.883928571428571 out of 5 by 560.
Rated 4 out of 5 by from Great for my first auto loan I've been a Fairwinds member for quite a long time now and I love this credit union! My mom referred me to Joni, my loan officer, to help us out with my auto loan. Living in Los Angeles, the communication process was a bit difficult. Joni was very helpful and knowledgeable of her work and the process, though I wish she were a bit friendlier and approachable. At times, I felt nervous or anxious to reach out to her with questions or concerns. At one point, she misread my e-mail and said I wasn't qualified to finance but we caught the mistake and were able to move forward. Nonetheless, she was extremely helpful! :) I just wish I felt more comfortable reaching out.
Date published: 2016-08-11
Rated 5 out of 5 by from Auto Loan One of your tellers advised me his screen showed I had been approved for release of my funds on my secured credit card. I didn't have time right then, so asked him to have someone call me. She did. During our phone conversation, she said, "I see that you are ALSO approved for a new auto loan". I told her that I was not interested in a NEW loan, however, I was VERY interested in re-financing the high interest loan I current had. She was very expeditious in getting that done. I was and am VERY pleased. In the process however, I was told that I was turned down for the release of my funds with the secured credit card. I hope that can be readdressed in the near future.
Date published: 2015-07-18
Rated 5 out of 5 by from Credit score of 4 yes 4 to 700 I became a member of Fairwinds last March. I had a credit score of four. Working with loan officer Kathy I obtained a secured personal loan to build my credit. after seven months I found my dream car and with the off chance that I might be approved for a loan I contacted Kathy again at the Apopka branch. Within a few hours she called me back and informed me that I had been approved for a no down payment loan. She was ecstatic that I had been approved because we had been working together for the past year to get to this point. Needless to say I now own a very fun car. However my insurance is more than my car payment :(
Date published: 2016-03-01
Rated 5 out of 5 by from New car loan. When I decided to buy a new car, I stopped by the Lee Vista office in Orlando. The relationship manager talked to me about what was available. She gave me the paperwork to give to the dealer. While at the dealer, she called me and lowered the rate we talked about. She talked to the finance person at the dealer. To make a long story short, I ended up financing through the dealer just to get the price I wanted. I saw my bank rep the next day and we started the refinancing process for the rate she gave me. I have been with Fairwinds for many years now. And will be for life. I vote for her to be employee of the year.
Date published: 2016-09-21
Rated 1 out of 5 by from Disappointed in customer service i have an auto loan with Fairwinds and went to sell my car (private sale) and was given the wrong information multiple times regarding the pay off process. My buyer and I both took off work to handle the sale and weren't able to register the vehicle in his name due to wrong information given. I called multiple times and heard a different story each time regarding what the best way to handle the private sale was. Extremely disappointed at how inconvenient this experience was for me and my buyer. My process/experience obtaining my loan from Fairwinds however was great, so just to clarify I was not happy with the customer service relating to the loan pay off/title information.
Date published: 2016-04-21
Rated 5 out of 5 by from SUCCESSFUL AUTO REFINANCE Jim and Keli were amazing at the Fairwinds in Baldwin Park. Jim worked his magic to get me in with the correct rep and worked around my work schedule to get my auto refinance done...and on a weekend day! And then Keli got the entire process done on a Saturday by 1! I felt so comfortable talking to them which made the process so much easier for me. I felt like I was treated with such care and like if I was part of their family. I regret not having gone to Fairwinds before, especially after my old loan company wasn't able to help me get a better rate. With Fairwinds I went from a 5.3% rate to a 2.55% which helps me save so much money! Thank you Keli & Jim, you guys are the absolute best :)
Date published: 2016-09-20
Rated 5 out of 5 by from auto loan/Great experience/Metro We had received in the mail a pre quail for $$. We had been looking at Subaru,so we went to True Car.com looked up what we wanted found a dealer went there found our vehicle. We had been speaking with Cynthia at Metro West Branch. She was so very helpful through the whole process. She is fantastic.. Then we had an issue getting money back from our last vehicle extended warranty through Cuna. She went above her duty and helped us finally get our refund. We have purchased quite a few vehicles with Fairwind,but this was by far the easiest experience. . Thank you Cynthia at the Metro West Branch!!!!
Date published: 2015-08-11
Rated 5 out of 5 by from Most pleasant experience!!! I had an upside down car loan and thankfully I talked to Laurie from Orange City branch. She turned things around for me, put me in a brand new car that I love and I didn't even walk into the branch! I signed everything over the phone, she worked around my schedule, she just took care of me in the most pleasant and professional way! I can not even express how grateful I am and proud to be a Fairwinds member. Laurie, you changed the hopeless situation into the most positive experience ever and I want to thank you and Myk from Auto Wholesale from the bottom of my heart! Fairwinds forever!
Date published: 2016-07-16
  • 2016-09-28T07:42CST
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