Skip to main content | 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 05/01/2023. 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 for New & Used Vehicles is rated 4.9 out of 5 by 1849.
Rated 5 out of 5 by from Credit Card Consolidation Refi This literally saved all off my finances, thank you fairwinds!
Date published: 2023-05-15
Rated 5 out of 5 by from Exceptional Customer Service We have been members of FCU since we moved to Clermont in 2014. The staff is always friendly and actually care about your needs.
Date published: 2023-05-15
Rated 5 out of 5 by from Auto Loan used vehicle. I have been with FAIRWINDS for years and it’s been good.
Date published: 2023-05-15
Rated 5 out of 5 by from Excellent Customer Service Very attentive and thorough. I almost decided not to move forward but my loan consultant helped me see the value in continuing the process.
Date published: 2023-05-07
Rated 5 out of 5 by from Best customer service EVER! Sarina was the best. I filled out the application online on Saturday. Monday morning I called because I had found the right car on Sunday. She expedited the process and got me my money within hours. I was able to drive out car home before dinner time. Sarina was the best.
Date published: 2023-05-06
Rated 5 out of 5 by from Great find! I first borrowed for new carpeting and now my car. Jorge was great about walking me through the whole process of financing my car.
Date published: 2023-05-05
Rated 5 out of 5 by from Fast and they made it easy I have had a Fairwind account for around 15 years with no regrets.
Date published: 2023-05-05
Rated 5 out of 5 by from Excellent value and service! I could not get my original auto loan through Fairwinds since I did not prequalify first, but had no issue doing a refi at a rate 1.5% less several months after. Process was easy and my banker was wonderful. One word of advice, be careful about financing dealer extended warranties since loan-to-value is exceeded. I also feel better knowing Fairwinds reinvests their assets back into the local community.
Date published: 2023-05-05
  • y_2023, m_5, d_26, h_24
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.35
  • cp_1, bvpage1
  • co_hasreviews, tv_418, tr_1431
  • loc_en_US, sid_5, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_fairwinds
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 77.54ms