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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 new auto rates starting at
used auto rates starting at
48 Month new auto rates starting at
used auto rates starting at
60 Month new auto rates starting at
used auto rates starting at
72 Month new auto rates starting at
used auto rates starting at

*APR = Annual Percentage Rate

Rates are current as of 09/01/2019. 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 1500.
Rated 5 out of 5 by from Refinancing was super easy I loved how easy it was to refinance with Fairwinds. Our loan from Kia was too long and had too high of an interest rate. Refinancing with Fairwinds is going to save my partner and me thousands of dollars, and it was so easy to set up. The employee we worked with helped each step of the way.
Date published: 2019-09-08
Rated 3 out of 5 by from Did it anyway I was not happy with the fact that the interest rate changed when the paper work was sent to me with no explanation. When asked, the loan officer was quiet and did not answer. (crickets) This to me is not the best way to do business. I also do not like automatic payment withdrawals. I'm a big boy and can pay my bills. This credit union is turning more into a bank all the time. Which is why I opened an account here in the first place.
Date published: 2019-09-06
Rated 5 out of 5 by from Great Rates I was able to cut my interest rates by half and I will have my car paid off 15 months sooner after refinancing with Fairwinds.
Date published: 2019-09-05
Rated 5 out of 5 by from great service Kim very efficient and helpful. Would recommend her to my friends.
Date published: 2019-08-30
Rated 5 out of 5 by from First car loan in 15 years. I wasn't going to take out a car loan but just couldn't pass up the rate that was offered. It was the easiest and fastest loan I have ever taken. I did everything by email and telephone and had approval in literally minutes. Love Fairwinds!
Date published: 2019-08-28
Rated 5 out of 5 by from Car loan We have been very happy with Fairwinds. Everyone has been helpful, professional and friendly.
Date published: 2019-08-26
Rated 5 out of 5 by from Great rate, cut mine in half Ever since becoming a member I've transfered all of my business to Fairwinds.
Date published: 2019-08-26
Rated 5 out of 5 by from Friendly, fast, and honest The staff are friendly and helpful. The loan was processed quickly. We are very satisfied.
Date published: 2019-08-26
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