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With an easy application, simple terms, fast approval and quick funding, buying your next vehicle is a breeze at FAIRWINDS.

Questions about a loan?

We are here to help.

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
  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 11/01/2019. 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 1526.
Rated 5 out of 5 by from Great experience Serina made the process very simple and kept me informed along the way... could not had been easier!
Date published: 2019-11-05
Rated 5 out of 5 by from Great experience My loan officer gave me great advice and made the process easy to get pre approved and to re finance my truck.
Date published: 2019-10-30
Rated 5 out of 5 by from Great staff The staff at the fairwinds branch office were awesome. They explained every step of the process and were very courteous and professional.
Date published: 2019-10-28
Rated 5 out of 5 by from my experience at Fairwinds I became a member a month ago when I approached Fairwinds for an auto loan and it was an excellent experience.
Date published: 2019-10-27
Rated 5 out of 5 by from Great rates I join Fairwinds to get their great rates on an auto loan. The service is excellent.
Date published: 2019-10-24
Rated 4 out of 5 by from Great rates on refinancing I did refinancing a month ago and got the best lowest rate in the market. I took a star away as the loan duration was reduced till my visa validity which I haven’t seen before in any other banks. The refinancing process was smooth however I had to go to bank in person for membership registration due to verification error online. All other paper work went smooth over email and phone and online which was great. Using bank app which is also very cool. Thanks FAIRWINDS.
Date published: 2019-10-20
Rated 5 out of 5 by from Superior Service & Value Great staff who worked from the moment I enter the branch, delivering world-class customer service and followed-up all the way. All of which led to immediate peace of mind, and a stress-free process
Date published: 2019-10-18
Rated 5 out of 5 by from Great auto refinance savings Got a mailer to refinance. Went to local branch got a bonus for refinancing then reduced the loan years and even saved more.
Date published: 2019-10-17
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