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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 Type APR*
New Vehicle starting at
Used Vehicle starting at

*APR = Annual Percentage Rate

Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Discounted Rate: Rate discounts for automatic payment from a FAIRWINDS checking account will increase by .25% in the event payment is discontinued from a FAIRWINDS checking account. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid. Special offer 0.75% (1.08% APR) at 36 months for a $20,000 loan would result in a monthly payment of $567.49.

Rates are current as of 08/01/2019.

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 1487.
Rated 5 out of 5 by from Awesome service Sebastian was so helpful with the loan and acquiring the vehicle. Couldn’t have gone any better.
Date published: 2019-08-21
Rated 5 out of 5 by from Super Easy Refinance Refinancing days after purchasing through Chysler Credit to get the rebates and discounts was simple and fast. Fairwinds took care of everything except my signature.
Date published: 2019-08-16
Date published: 2019-08-15
Rated 5 out of 5 by from Courteous & Professional Decided to look into refinancing my car. Chose Fairwinds and have had a great experience. They've been both courteous and professional in all of my dealings with them. I recently had some mobile banking issues and stopped by the Longwood branch on SR 434. Heidi was immediately available and went above and beyond to remedy my situation. I'd definitely recommend Fairwinds Credit Union.
Date published: 2019-08-15
Rated 5 out of 5 by from Vehicle refinance Kaylee helped me refinance with FAIRWINDS and I was eligible for a way better interest rate. The process was smooth and easy. Thank you kaylee.
Date published: 2019-08-15
Rated 5 out of 5 by from Loved the way i was treated Fairwinds help with my car loan so glad i did business here.
Date published: 2019-08-15
Rated 5 out of 5 by from Outstanding Service Purchased a new car after a severe collision on vacation. To get the best price on the new vehicle, got the dealer's finance package. Fairwinds was able to refinance the high-rate dealer loan to a very reasonable on with the CU. Kudos to Joni, my loan adviser!
Date published: 2019-08-12
Rated 5 out of 5 by from Great Experience This was the best percentage rate I found. The customer service was amazing!!! Thanks for a easy and good experience.
Date published: 2019-07-31
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