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fairwinds.org | Financial freedom happens here.

Refinance to a shorter term to help you pay off your loan faster and eliminate debt.

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

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

 Apply Now

Loan Term New Car APR* Used Car APR*
36 Month
 Eliminate Debt
new auto rates starting at
5.20%
used auto rates starting at
5.70%
48 Month
 Eliminate Debt
new auto rates starting at
5.90%
used auto rates starting at
6.20%
60 Month
new auto rates starting at
6.45%
used auto rates starting at
6.80%
72 Month
new auto rates starting at
7.00%
used auto rates starting at
7.20%
  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 09/05/2023. 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.

FAIRWINDS Member Reviews

Auto Loans for New & Used Vehicles is rated 4.9 out of 5 by 1861.
Rated 5 out of 5 by from easy transaction Sebastian made the financing of my new truck very quick and easy
Date published: 2023-07-15
Rated 5 out of 5 by from auto refinance Fair - and easy auto refinance great experience. Also have my mortgage with Fairwinds..
Date published: 2023-07-09
Rated 5 out of 5 by from Best Auto Loan Options Had Fairwinds years ago when I refinanced my first auto loan, and was extremely happy with the rate they offered this year. They easily beat out of options and were very helpful with my questions!
Date published: 2023-07-09
Rated 4 out of 5 by from Effortless but... My only issue with the process of refinancing my car was great except... I had to be the one to call Fairwinds back to finish my loan. I was told I would get a call back in a week and recieved nothing. I stopped by a Fairwinds for another service and the kind lady behind the desk looked into it for. Turned out I was approved but never received a call back about it.
Date published: 2023-07-05
Rated 5 out of 5 by from Great promotion We refinance and with promotion received $400 in our account
Date published: 2023-07-05
Rated 5 out of 5 by from Awesome service! Moved out of state but wanted a new car. Contacted Fairwinds and completed all paperwork via email. Within a week I was behind the wheel of my new car.....
Date published: 2023-06-29
Rated 5 out of 5 by from Excellent from start to. finish I have been a Fairwinds customer for 27 years. I recently purchased a SUV from an out of state dealer. Fairwinds gave loan approval in minutes. The loan officer even took the time to email a copy of the check to the dealership that was going to be sent outer nighted to them. This allowed them to quickly arrange transport of of the SUV to and it was delivered 2 days later. Thanks for great service and communication.
Date published: 2023-06-29
Rated 5 out of 5 by from Easy and Excellent Best customer service and they made it easy for you!!!!
Date published: 2023-06-29
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