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FAIRWINDS branches will be closed on Monday, May 27 in observance of Memorial Day.

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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
48 Month Special
Learn more about our 48 Month Special

36 Month Special
Learn more about our 36 Month Special


*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. 1.70% (1.95% APR) at 48 months for a $20,000 loan would result in a monthly payment of $436.18

Rates are current as of 05/03/2019.

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 1429.
Rated 5 out of 5 by from Best car loan experience! Kalee was the best! She was very responsive, easy to work with and this was easily the best loan experience I have had.
Date published: 2019-05-11
Rated 5 out of 5 by from Amazing service I signed up for a new auto loan and a checking account. Everyone was very friendly, knowledgeable, and helpful. Best experience at a bank by far.
Date published: 2019-05-09
Rated 5 out of 5 by from Great Customer Service! Abdul at the UCF on campus branch was prompt and professional with all of my requests and made my financing experience straightforward and painless. The rates are incredible too. Thanks Abdul and the rest of the UCF branch!
Date published: 2019-05-08
Rated 5 out of 5 by from Excellent service I applied for a auto loan at 8:30 am and by 3:30 pm the check was ready to be picked up at the Lake Mary Branch
Date published: 2019-05-05
Rated 5 out of 5 by from Subaru crosstrek I have been a member of Fairwinds Credit Union for several years now and the service has been excellent.
Date published: 2019-04-28
Rated 3 out of 5 by from Lack of information As member of Fairwinds for the last 17 years, I’m a little surprise with the actions on my last auto loan. After I submitted all the information, it was approved but I haven’t received any other information. Right now I don’t know anything about terms, payments, fees, etc. No one has been contact me, nothing has been received yet, that’s why I’m a little surprise.
Date published: 2019-04-27
Rated 5 out of 5 by from Fast closing I was guided perfectly by Fairwinds with clear instructions and it was a very smooth transaction
Date published: 2019-04-26
Rated 2 out of 5 by from Very disappointed. Fairwinds does not value loyalty and long time membership. It was extremely difficult getting a loan approval even with a stellar credit score and a seven year membership.
Date published: 2019-04-25
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