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With an easy application, simple terms, fast approval and quick funding, buying your next vehicle is a breeze at FAIRWINDS.

Questions about a loan?

We are here to help.

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
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% (1.08% APR) at 36 months for a $20,000 loan would result in a monthly payment of $567.49.

Rates are current as of 07/01/2019.

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 1460.
Rated 5 out of 5 by from Car loan Great experience I will buy my next car through FAIRWINDS
Date published: 2019-07-12
Rated 5 out of 5 by from Great Experience I've been a member of Fairwinds for about 25 years. Recently I obtained a car loan with Fairwinds and got a great interest rate and loan terms. Everything was quick and easy. Fairwinds is easy to deal with and provide friendly, courteous service with every transaction.
Date published: 2019-07-12
Rated 5 out of 5 by from Outstanding Customer Service I worker with the loan officer in the Oviedo branch and she was an outstanding resource and handled everything quickly and professionally
Date published: 2019-07-08
Rated 5 out of 5 by from Great Service We have been FAIRWINDS members since we moved here in 2013. It was one of the best decisions we ever made.
Date published: 2019-07-01
Rated 5 out of 5 by from Fantastic service We have done 2 car loans through FAIRWINDS. Sara in the office has handled our business and it has been seamless and easy. We just paid off the 2nd loan and in inquiring about the process she handled it all. Best service anywhere!!!!
Date published: 2019-07-01
Rated 5 out of 5 by from Outstanding customer service . The overall experience was phenomenal. The staff are very understanding and appreciate your business.
Date published: 2019-06-30
Rated 5 out of 5 by from Amazing staff! I have been a member of Fairwinds for almost twenty years. Fairwinds staff has always treated me with respect. Manager Amy at the Saint Cloud branch is the most professional and caring person I have ever dealt with at Fairwinds. Amy was attentive to detail and always answered my calls and questions. This is my 2nd vehicle loan refi with her. Thank you Amy. Your professionalism exceeds itself.
Date published: 2019-06-29
Rated 5 out of 5 by from Great people, Great rates! have been a member for years, loan for an used vehicle, great rates, great institution!
Date published: 2019-06-24
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