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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 for a car loan


Auto Loan Rates

Loan Type APR* APR*
1400 RR
3500 RR
New Vehicle starting at
starting at
starting at
Used Vehicle starting at
starting at
starting at
36 Month Special 36 month term
Learn more about our 36 Month Special

*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 06/01/2018.

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 1111.
Rated 5 out of 5 by from Fast and easy Denise from Fairwinds Alafaya branch was very helpful. She has been consistent in following up and made sure that all my questions were answered.
Date published: 2018-06-11
Rated 4 out of 5 by from Easy I have enjoyed being a member of FW and this was the second car loan I have had with FW. It was an easy once I got approved and the added feature that was not available the past to be able to auto pay out of my checking is wonderful.
Date published: 2018-06-10
Rated 5 out of 5 by from Easy and fast FAIRWINDS has always been a great place to get a vehicle loan. They are easy to deal with. Their interest rates are very good also.
Date published: 2018-06-09
Rated 5 out of 5 by from Refinance Auto I have been a member of Fairwinds Credit Union for 22 years and have been very pleased with the service I have receive over those years
Date published: 2018-06-09
Rated 5 out of 5 by from TIA IS AWESOME! I went in for an auto loan and Tia, who had always been exceptionally wonderful to me and others, assisted me and my sister with signing up for our dream cars. I fully recommend Altamonte Springs Fairwinds Branch and Tia!!
Date published: 2018-06-09
Rated 5 out of 5 by from Excellent services! Member since 2015 and will continue to me a member, hands down!
Date published: 2018-06-09
Rated 5 out of 5 by from Easiest ever Wanted a slightly used car. Pre-approved with phone call and 4 minutes at ok interest rate.We changed what we were doing twice inside a hour,type loan, terms, and you stayed with us. Got what we wanted and drove home in 5 hours including lunch break. Tia @ Altamonte was outstanding
Date published: 2018-06-09
Rated 5 out of 5 by from Great rate and quick approval!!! Loan was approved after one visit to the branch and It took to only 30 min. to the dealer on the day of the purchase!!!!!
Date published: 2018-06-09
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