Buying your vehicle is a breeze

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 How is this calculated New 36 Month 1.65% (1.98% APR) at 36 months for a $20,000 loan would result in a monthly payment of $574.64. Used 36 Month 1.85% (2.18% APR) at 36 months for a $20,000 loan would result in a monthly payment of $576.4.	new auto rates starting at 1.98%	used auto rates starting at 2.18%
48 Month How is this calculated New 48 Month 2.74% (2.99% APR) at 48 months for a $20,000 loan would result in a monthly payment of $446.14. Used 48 Month 3% (3.25% APR) at 48 months for a $20,000 loan would result in a monthly payment of $448.65.	new auto rates starting at 2.99%	used auto rates starting at 3.25%
60 Month How is this calculated New 60 Month 3.35% (3.55% APR) at 60 months for a $20,000 loan would result in a monthly payment of $362.49. Used 60 Month 3.7% (3.9% APR) at 60 months for a $20,000 loan would result in a monthly payment of $365.63.	new auto rates starting at 3.55%	used auto rates starting at 3.90%
72 Month How is this calculated New 72 Month 3.75% (3.92% APR) at 72 months for a $20,000 loan would result in a monthly payment of $310.63. Used 72 Month 4.1% (4.27% APR) at 72 months for a $20,000 loan would result in a monthly payment of $313.82.	new auto rates starting at 3.92%	used auto rates starting at 4.27%
Want an even better auto loan rate? Enjoy a *.25% APR discount** on your next auto loan when you have the FAIRWINDS Preferred Visa^® Signature card. Learn more about our Preferred Visa Signature card.
APR = Annual Percentage Rate Rates are current as of 01/01/2020. 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 1538.

Rated 5 out of 5 by AlyB from Made the process easy It’s always a pleasure working with Fairwinds, and this auto loan was know exception! After our first auto loan through Fairwinds I knew they would be the best choice for my new loan. Marie was pleasant and patient, and a complete joy to work with! We love the flexibility and opportunities being a member allows us. Thank you!

Date published: 2019-12-09

Rated 5 out of 5 by RJA from Easy Process! Extremely helpful As a current member of Fairwinds, I came back here for an auto loan and the process was super easy. They walked me through each step of the process and it made it easy to purchase the car I wanted. Thanks Fairwinds!

Date published: 2019-11-30

Rated 5 out of 5 by Happy1 from Excellent service. I have been a member of Fair Winds since Sept. 2010 when you financed my mortgage now I needed to finance a vehicle and I am very happy with your services.

Date published: 2019-11-25

Rated 5 out of 5 by Jad from Lowest rate Not our first experience with FAIRWINDS and it probably won’t be our last.

Date published: 2019-11-24

Rated 5 out of 5 by Budman from Easy I have had several auto and home. Loans with fairwinds

Date published: 2019-11-24

Rated 5 out of 5 by Andrea M from Wonderful Experience! I had the best experience refinancing my car! The process was very simple and I'm excited to be saving money!

Date published: 2019-11-22

Rated 5 out of 5 by 1111111111111221111111 from Denise was awesome I have worked with Denise for a little over a year with being my lending needs to FAIRWINDS. In each transaction she has been available promptly and has walked me through any questions and solutions. Each loan I have with FAIRWINDS has saved me money, not only on the interest rates, but on the convenience as well.

Date published: 2019-11-21

Rated 5 out of 5 by Branden from Incredible Experience! Everyone made getting a car loan seem like a horrid process. The experience was quite possibly the easiest thing, ever, and more enjoyable than I could have imagined.

Date published: 2019-11-21

Auto Loans Reviews - page 2

Supplemental Information

Getting an auto loan