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fairwinds.org | Get the freedom to go further.

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
a Eliminate Debt productEliminate Debt
new auto rates starting at
1.98%
used auto rates starting at
2.18%
48 Month
a Eliminate Debt productEliminate Debt
new auto rates starting at
2.50%
used auto rates starting at
2.80%
60 Month
new auto rates starting at
2.90%
used auto rates starting at
3.30%
72 Month
new auto rates starting at
3.27%
used auto rates starting at
3.67%
  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 01/08/2021. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.

Discounted Rate: Rates above include a .25% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .25% 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 is rated 4.9 out of 5 by 1628.
Rated 5 out of 5 by from Great Experience Decided to refinance my vehicle due to low rate. Was able to shorten the loan time and save money on interest. ALL of the transaction and communication was done electronically making it easy and convenient.
Date published: 2021-01-11
Rated 5 out of 5 by from Good Rates This is my 2nd car that I have financed with FAIRWINDS
Date published: 2020-12-30
Rated 5 out of 5 by from Ya'll did good I've been with you for a long time and am very satisfied.
Date published: 2020-12-29
Rated 5 out of 5 by from Five star customer experience FAIRWINDS has always done an amazing job at helping me acquire a car loan. They are kind, efficient, and professional.
Date published: 2020-12-29
Rated 5 out of 5 by from Great service The process was super fast and smooth. Very good interest rate. Highly recommend the place.
Date published: 2020-12-19
Rated 5 out of 5 by from Great interest rate I’ve been a member for 20 years and they have always treated me well. Taking very good care of me
Date published: 2020-09-12
Rated 5 out of 5 by from Great! Been a member for years and Seth contacted me on my cars loans, did a great job and saved me money.
Date published: 2020-09-08
Rated 5 out of 5 by from Easy and quick!! Kalee was very helpful and made the refinance process super quick and easy!! Fairwinds seems to always have the best rates and everyone is always professional and knowledgeable.
Date published: 2020-08-31
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