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

$300 Refinance Bonus

Jumpstart your debt-free plan with an auto refinance bonus up to $300!

  • Refinance your auto loan to a shorter term like 36 months and save hundreds – even thousands!
  • Receive a cash bonus up to $300 that we’ll put toward your emergency savings.*
  • Once you pay off the loan, keep the car – and keep making payments toward your savings.

*Special cash bonus promotional offer and amounts are subject to change at any time. $100 cash bonus on loan amounts under $20,000. $200 cash bonus on loan amounts $20,000 - $29,999. $300 cash bonus on loan amounts $30,000 and higher. Loan amounts may include warranty products. The cash bonus will automatically be deposited into your FAIRWINDS account within 10 business days of auto loan refinancing. Certain restrictions apply. Limit one refinance cash bonus per vehicle. To qualify for the cash offer, the loan must originally be financed from another financial institution and refinanced at FAIRWINDS.

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.

 Apply Now

When you refinance your auto loan with us, you'll also enjoy
No Payments for 90 days.2

Loan Term New Car APR* Used Car APR*
36 Month
a Eliminate Debt productEliminate Debt
new auto rates starting at
1.98%
used auto rates starting at
2.18%
48 Month
a Eliminate Debt productEliminate Debt
new auto rates starting at
2.50%
used auto rates starting at
2.80%
60 Month
new auto rates starting at
2.90%
used auto rates starting at
3.30%
72 Month
new auto rates starting at
3.27%
used auto rates starting at
3.67%
  Want an even better auto loan rate?
Enjoy a .25% APR* discount on your next auto loan when you have the FAIRWINDS Visa Signature® card.
Learn More about our Visa Signature card.

*APR = Annual Percentage Rate

Rates are current as of 01/08/2021. 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.

1Average monthly savings of auto loans refinanced at FAIRWINDS from another financial institution is $50. Actual savings will vary. 2Interest accrues from date of contract.

FAIRWINDS Member Reviews

Auto Loans is rated 4.9 out of 5 by 1628.
Rated 5 out of 5 by from Great Experience Decided to refinance my vehicle due to low rate. Was able to shorten the loan time and save money on interest. ALL of the transaction and communication was done electronically making it easy and convenient.
Date published: 2021-01-11
Rated 5 out of 5 by from Good Rates This is my 2nd car that I have financed with FAIRWINDS
Date published: 2020-12-30
Rated 5 out of 5 by from Ya'll did good I've been with you for a long time and am very satisfied.
Date published: 2020-12-29
Rated 5 out of 5 by from Five star customer experience FAIRWINDS has always done an amazing job at helping me acquire a car loan. They are kind, efficient, and professional.
Date published: 2020-12-29
Rated 5 out of 5 by from Great service The process was super fast and smooth. Very good interest rate. Highly recommend the place.
Date published: 2020-12-19
Rated 5 out of 5 by from Great interest rate I’ve been a member for 20 years and they have always treated me well. Taking very good care of me
Date published: 2020-09-12
Rated 5 out of 5 by from Great! Been a member for years and Seth contacted me on my cars loans, did a great job and saved me money.
Date published: 2020-09-08
Rated 5 out of 5 by from Easy and quick!! Kalee was very helpful and made the refinance process super quick and easy!! Fairwinds seems to always have the best rates and everyone is always professional and knowledgeable.
Date published: 2020-08-31
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