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FAIRWINDS branches will be closed on Monday, February 18 in observance of Washington's Birthday.

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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*
New Vehicle starting at
Used Vehicle starting at
48 Month Special
Learn more about our 48 Month Special

36 Month Special
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 $562.01. 1.70% (1.87% APR) at 48 months for a $20,000 loan would result in a monthly payment of $431.30

Rates are current as of 02/01/2019.

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 1365.
Rated 5 out of 5 by from Great Experience! I’ve been a Fairwinds member since I was a teenager and this was my first time applying for an auto loan through them. I was a little nervous but the process could not have been easier. Marie was wonderful, highly responsive, easy to work with, and super kind. The process was quick and we had funds faster than I could have imagined at a super competetive rate. Thanks Fairwinds!
Date published: 2019-02-02
Rated 5 out of 5 by from Quick and easy I saw the low advertised auto loan rates and they were real. No Gimmicks. The loan officer was very helpful.
Date published: 2019-01-31
Rated 5 out of 5 by from Great Service and low interest I almost had the new car dealer tell me mis information on the actual cost/interest rate. Luckily I double checked and Fairwinds was very communicative and super reasonable! I saved money using their car financing.
Date published: 2019-01-29
Rated 5 out of 5 by from Wonderful loan officer My experience was great. Handled very professionally and in a timely mannor
Date published: 2019-01-28
Rated 5 out of 5 by from Awesome staff! I have been a member of FAIRWINDS for several years now. They have always been there for me with all of my financial needs. The staff at the lake Mary branch are all knowledgeable, professional and make you feel like you belong. Keep up the great work!
Date published: 2019-01-28
Rated 5 out of 5 by from Great service I refinanced my car loan and the associate that helped me was great and very knowledgeable. I reduced my loan interest and the majority of the closing costs were paid by fairwinds. It was a win win for me.
Date published: 2019-01-28
Rated 5 out of 5 by from super customer service I refinanced with Fairwinds because of an inquisitive teller. Thanks so much for asking if I was buying a car with my withdrawal.
Date published: 2019-01-27
Rated 4 out of 5 by from So happy! I’ve been a member since 1995 and I’m so happy that I finally financed through Fairwinds!
Date published: 2019-01-27
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