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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
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

*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 12/01/2017.

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 918.
Rated 5 out of 5 by from Awesome Rate & Customer Service I would absolutely recommend Fairwinds to my friends and family due to the awesome customer service and the rate that I received. I'm a very happy customer!
Date published: 2017-11-05
Rated 5 out of 5 by from Super Quick and Simple I have been a member of Fairwinds since I created my first ever bank account. I was nervous to take out my first loan, but Fairwinds and their staff made everything incredibly simple and easy.
Date published: 2017-11-02
Rated 5 out of 5 by from 5 Stars I've previously financed a vehicle with Fairwinds and I was extremely satisfied with the service and the treatment. When it came time to purchase another vehicle I did not hesitate to contact Fairwinds. I was extremely satisfied with the loan experience. Thankyou
Date published: 2017-11-01
Rated 5 out of 5 by from Customer service Always get financial assistance when I really need it
Date published: 2017-10-30
Rated 5 out of 5 by from Better financing Seth helped me re-finance as soon as I bought a car.
Date published: 2017-10-28
Rated 5 out of 5 by from Ease of acquiring an auto loan. As a long standing member of the credit union, I was able to make the loan via telephone from the dealership and was given all the necessary info regarding that loan. The credit union rep was informative, courteous, and was able to approve the loan in an expeditious manner. Great Service!
Date published: 2017-10-28
Rated 5 out of 5 by from Excellent Service Very simple and fast process done by highly knowledgeable staff and in a very efficient manner.
Date published: 2017-10-25
Rated 5 out of 5 by from Amazing Such a simple process from start to finish. I love how everything these days are done electronically. I will forever be loyal to Fairwinds. Ive had them since I was a teenager, through credit cards, car loans, and will use them for my future mortgage. They are conservative, but have the best customer service and rates.
Date published: 2017-10-25
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