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
Payment example:
Eliminate Debt
New 36 Month 3.60% (3.60% APR) at 36 months for a $25,000 loan would result in a monthly payment of $733.66.
Used 36 Month 4.30% (4.30% APR) at 36 months for a $20,000 loan would result in a monthly payment of $593.15.
|
new auto rates starting at
3.60% |
used auto rates starting at
4.30% |
48 Month
Payment example:
Eliminate Debt
New 48 Month 4.65% (4.65% APR) at 48 months for a $25,000 loan would result in a monthly payment of $571.78.
Used 48 Month 4.85% (4.85% APR) at 48 months for a $20,000 loan would result in a monthly payment of $459.23.
|
new auto rates starting at
4.65% |
used auto rates starting at
4.85% |
60 Month
Payment example:
New 60 Month 5.45% (5.45% APR) at 60 months for a $25,000 loan would result in a monthly payment of $476.95.
Used 60 Month 5.75% (5.75% APR) at 60 months for a $20,000 loan would result in a monthly payment of $384.34.
|
new auto rates starting at
5.45% |
used auto rates starting at
5.75% |
72 Month
Payment example:
New 72 Month 5.80% (5.80% APR) at 72 months for a $25,000 loan would result in a monthly payment of $411.97.
Used 72 Month 6.00% (6.00% APR) at 72 months for a $20,000 loan would result in a monthly payment of $331.46.
|
new auto rates starting at
5.80% |
used auto rates starting at
6.00% |
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.
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|
*APR = Annual Percentage Rate
Rates are current as of 01/03/2023. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Discounted Rate: Rates above include a .10% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .10% 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 for New & Used Vehicles is rated
4.9 out of
5 by
1833.
Rated 5 out of
5
by
AndreaM from
Quick to Respond
I’ve been a FAIRWINDS member for a long time now and I needed to get a car loan. The process was smooth and quick.
Date published: 2023-01-10
Rated 5 out of
5
by
Sradar16 from
LOVE THIS BANK
Went into the branch to get a new debit card printed. She offered to double check the old card to make sure auto payments would not be effected (which how nice!?) Noticed my car payment, we chatted about possibly doing a refinance. She walked us thru every step and quickly got us processed. Better rate, better term and better payment all less than 1 year into this car. Love fairwinds!
Date published: 2023-01-03
Rated 5 out of
5
by
Fairwind is Fair from
Minimal Effort
This is my third auto loan experience with Fairwinds. Each time has been little effort on my part with the associate working directly with the Simple Car Buying seller.
Date published: 2023-01-01
Rated 5 out of
5
by
Orlando Jo from
Always the best experience!!
I joined FAIRWINDS for a car loan rate about 4 years ago. Since then, it is always my first choice and has become our first stop for any car loan.
Service is impeccable. By phone, online or in person- it feels like the team is eager to help fulfill your needs!
Date published: 2022-12-29
Rated 5 out of
5
by
FalconFred from
VW car loan
Almost instant approval at rates less than the dealer.
Date published: 2022-12-29
Rated 4 out of
5
by
Luciano23 from
Easy and fast
I’m member since 2021, I so happy for your services and costumer services efficient
Date published: 2022-12-18
Rated 5 out of
5
by
J P from
Thanks for a Smooth Transaction
This auto refinance was the easiest thing I've done in a while.
Great rate, great promotion. Refinanced immediately after purchase into a 36 month loan. Huge savings over the course of the loan. My rep was great. In a world where every transaction is hard, difficult, complicated, challenging this was EASY! Thank you!
Date published: 2022-12-12
Rated 5 out of
5
by
VenMar10 from
Great rates and quick process
I am happy to be a member of Fairwinds and the loan process is seamless and very quick approvals. I did refinance once and also took a new loan for my auto loan needs.
Date published: 2022-12-04
