Auto Refinance Bonus
Jumpstart your debt-free plan with an auto refinance bonus up to $600!
- We recommend choosing a shorter term to help you save hundreds – even thousands.
- Tip! Use your refi bonus to help pay down your loan balance faster.
- Once you pay off the loan, keep the car – and keep making payments toward your savings.
$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 - $39,999
$400 cash bonus on loan amounts $40,000 - $49,999
$500 cash bonus on loan amounts $50,000 - $59,999
$600 cash bonus on loan amounts $60,000 and higher
*Special cash bonus promotional offer and amounts are subject to change at any time. 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. Refinance bonus does not apply to vehicles purchased through a third-party vendor. To qualify for the cash offer, the loan must originally be financed from another financial institution and refinanced at FAIRWINDS.
When you refinance your auto loan with us, you'll also enjoy
no payments for 90 days.1
| Loan Term | New Car APR* | Used Car APR* |
|---|---|---|
| 36 Month
Payment example:
Eliminate Debt New 36 Month 4.70% (4.70% APR) at 36 months for a $25,000 loan would result in a monthly payment of $745.91. |
new auto rates starting at 4.70% |
used auto rates starting at 5.10% |
| 48 Month
Payment example:
Eliminate Debt New 48 Month 5.40% (5.40% APR) at 48 months for a $25,000 loan would result in a monthly payment of $580.27. |
new auto rates starting at 5.40% |
used auto rates starting at 5.70% |
| 60 Month
Payment example:
New 60 Month 5.90% (5.90% APR) at 60 months for a $25,000 loan would result in a monthly payment of $482.16. |
new auto rates starting at 5.90% |
used auto rates starting at 6.20% |
| 72 Month
Payment example:
New 72 Month 6.40% (6.40% APR) at 72 months for a $25,000 loan would result in a monthly payment of $419.06. |
new auto rates starting at 6.40% |
used auto rates starting at 6.70% |
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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. |
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*APR = Annual Percentage Rate Rates are current as of 05/01/2023. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Discounted Rate: Rates above include a .10% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .10% 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. | ||
1Interest accrues from date of contract.