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FAIRWINDS members, on average, save $50 each month when they refinance their auto loan with us. 

Think you have the best rate and payment on your auto loan? Maybe not. On average, FAIRWINDS members save $50 a month when they refinance their auto loan with us. That's an extra $600 a year for the life of the loan.1

Just fill out our five minute online application to let the savings begin.

Limited Time Refinance Special

Now when you refinance your vehicle with FAIRWINDS, you can receive a cash back bonus.

Loan Amount Cash Back3
$0 - $19,999.99 $100
$20,000 - $29,999.99 $200
$30,000+ $300

When you refinance your auto loan with us, you'll also enjoy:

  • No payments for 90 days.2
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% (0.89% APR) at 36 months for a $20,000 loan would result in a monthly payment of $562.01. 1.70% (1.87% APR) at 48 months for a $20,000 loan would result in a monthly payment of $431.30

Rates are current as of 02/01/2019.

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.

1Average monthly savings of auto loans refinanced at FAIRWINDS from another financial institution from 1/01/16 – 12/9/16 is $52.46. Actual savings will vary. 2Interest accrues from date of contract. 3To qualify for the cash back bonus offer, the loan must originally be financed with another financial institution and refinanced at FAIRWINDS.

FAIRWINDS Member Reviews

Auto Loans is rated 4.9 out of 5 by 1365.
Rated 5 out of 5 by from Great Experience! I’ve been a Fairwinds member since I was a teenager and this was my first time applying for an auto loan through them. I was a little nervous but the process could not have been easier. Marie was wonderful, highly responsive, easy to work with, and super kind. The process was quick and we had funds faster than I could have imagined at a super competetive rate. Thanks Fairwinds!
Date published: 2019-02-02
Rated 5 out of 5 by from Quick and easy I saw the low advertised auto loan rates and they were real. No Gimmicks. The loan officer was very helpful.
Date published: 2019-01-31
Rated 5 out of 5 by from Great Service and low interest I almost had the new car dealer tell me mis information on the actual cost/interest rate. Luckily I double checked and Fairwinds was very communicative and super reasonable! I saved money using their car financing.
Date published: 2019-01-29
Rated 5 out of 5 by from Wonderful loan officer My experience was great. Handled very professionally and in a timely mannor
Date published: 2019-01-28
Rated 5 out of 5 by from Awesome staff! I have been a member of FAIRWINDS for several years now. They have always been there for me with all of my financial needs. The staff at the lake Mary branch are all knowledgeable, professional and make you feel like you belong. Keep up the great work!
Date published: 2019-01-28
Rated 5 out of 5 by from Great service I refinanced my car loan and the associate that helped me was great and very knowledgeable. I reduced my loan interest and the majority of the closing costs were paid by fairwinds. It was a win win for me.
Date published: 2019-01-28
Rated 5 out of 5 by from super customer service I refinanced with Fairwinds because of an inquisitive teller. Thanks so much for asking if I was buying a car with my withdrawal.
Date published: 2019-01-27
Rated 4 out of 5 by from So happy! I’ve been a member since 1995 and I’m so happy that I finally financed through Fairwinds!
Date published: 2019-01-27
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