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Updated: Tue, March 31, 2020 at 04:56pm EDT

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
2.99%
used auto rates starting at
3.25%
60 Month
new auto rates starting at
3.55%
used auto rates starting at
3.75%
72 Month
new auto rates starting at
3.92%
used auto rates starting at
4.22%
  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 04/01/2020. 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 1568.
Rated 5 out of 5 by from Fast and easy i got a good rate and the process was painless Murphy is the best
Date published: 2020-03-29
Rated 5 out of 5 by from Great rates!! I became a member a month ago and I am so thrilled to have joined Fairwinds Credit Union.
Date published: 2020-03-26
Rated 5 out of 5 by from Great experience Very smooth, easy process and great rates as usual.
Date published: 2020-03-22
Rated 5 out of 5 by from Acura Car Loan Since my first phone call to get information to the actual signing of the loan was a breeze.
Date published: 2020-03-21
Rated 4 out of 5 by from Easy process. Been a member of Fairwinds for 28 years. I expected the process to be easy since I've been with them so long. It was easy and didn't take long. I wrapped it up the next day. I was a little disappointed in the APR; thought it would be lower. But Fairwinds, like all other banks judges EVERYTHING on your credit score and nothing else. There didn't seem to be any loyalty considerations.
Date published: 2020-03-14
Rated 5 out of 5 by from Love Fairwinds Credit union I purchase a vehicle with the help of Fairwinds Credit Union and the process went extremely smooth.
Date published: 2020-03-14
Rated 5 out of 5 by from Awesome customer service! We have been FAIRWINDS customers for a very long time and just refinanced my husbands auto loan. It couldn’t have been easier! It was completed in just a few days. They made the process so easy.
Date published: 2020-03-01
Rated 5 out of 5 by from Professional and seamless My loan officer was professional, courteous, and knowledgeable. The car loan experience was so easy!!
Date published: 2020-02-26
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