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Updated: Wed, September 28, 2022 at 06:45pm EDT | Financial freedom happens here.

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 for a car loan


Auto Loan Rates

Loan Term New Car APR* Used Car APR*
36 Month
 Eliminate Debt
new auto rates starting at
used auto rates starting at
48 Month
 Eliminate Debt
new auto rates starting at
used auto rates starting at
60 Month
new auto rates starting at
used auto rates starting at
72 Month
new auto rates starting at
used auto rates starting at
  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 09/01/2022. 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 1808.
Rated 5 out of 5 by from Car loan I recently wanted to get a car loan for a new vehicle (private sale). They bent over backwards to help make the process smooth. I really anticipated much more of a process.
Date published: 2022-09-17
Rated 5 out of 5 by from Excellent The staff were friendly and courteous, the customer service was excellent and on point
Date published: 2022-09-07
Rated 2 out of 5 by from Not the best communication Had to reach out several times, find my agent was out of office for days now than once by email out of office reply (really?!), and appt in office was a severe cluster despite my efforts to prep and be good client
Date published: 2022-09-03
Rated 5 out of 5 by from A blessing I've been with fairwinds for years building up my credit and it was worth while! Effortless when the time came staff was super informative and helpful in locking down a great Apr
Date published: 2022-09-03
Rated 5 out of 5 by from Auto Refiance I Refiance my auto loan with Fairwinds and it was tje beat desicion I've made. They made the whole process super smooth and the agent Ana that helped was AMAZING. My payment went down drastically. I definitely recommend this company 100%
Date published: 2022-09-03
Rated 5 out of 5 by from Great job from the man who Heled first time getting a loan on my own for a long time, it was easy and the person was very Helpful
Date published: 2022-08-25
Rated 5 out of 5 by from It was excellent The personal banker was excellent and knew her info!
Date published: 2022-08-25
Rated 5 out of 5 by from Easy, Easy, Easy! I was opening an account with my daughter and saw the info board in the lobby. It was advertising car loans etc. I immediately applied to refi my current loan. It was completed in 2 days, better rate and I got a credit into my account for switching.
Date published: 2022-08-24
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