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Updated: Wed, September 28, 2022 at 05:03pm EDT

fairwinds.org | Financial freedom happens here.

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

Questions about a loan?

We are here to help.

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
2.40%
used auto rates starting at
3.10%
48 Month
 Eliminate Debt
new auto rates starting at
3.30%
used auto rates starting at
3.50%
60 Month
new auto rates starting at
3.70%
used auto rates starting at
4.30%
72 Month
new auto rates starting at
4.10%
used auto rates starting at
4.60%
  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 09/01/2022. 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 is rated 4.9 out of 5 by 1808.
Rated 5 out of 5 by from Car loan I recently wanted to get a car loan for a new vehicle (private sale). They bent over backwards to help make the process smooth. I really anticipated much more of a process.
Date published: 2022-09-17
Rated 5 out of 5 by from Excellent The staff were friendly and courteous, the customer service was excellent and on point
Date published: 2022-09-07
Rated 2 out of 5 by from Not the best communication Had to reach out several times, find my agent was out of office for days now than once by email out of office reply (really?!), and appt in office was a severe cluster despite my efforts to prep and be good client
Date published: 2022-09-03
Rated 5 out of 5 by from A blessing I've been with fairwinds for years building up my credit and it was worth while! Effortless when the time came staff was super informative and helpful in locking down a great Apr
Date published: 2022-09-03
Rated 5 out of 5 by from Auto Refiance I Refiance my auto loan with Fairwinds and it was tje beat desicion I've made. They made the whole process super smooth and the agent Ana that helped was AMAZING. My payment went down drastically. I definitely recommend this company 100%
Date published: 2022-09-03
Rated 5 out of 5 by from Great job from the man who Heled first time getting a loan on my own for a long time, it was easy and the person was very Helpful
Date published: 2022-08-25
Rated 5 out of 5 by from It was excellent The personal banker was excellent and knew her info!
Date published: 2022-08-25
Rated 5 out of 5 by from Easy, Easy, Easy! I was opening an account with my daughter and saw the info board in the lobby. It was advertising car loans etc. I immediately applied to refi my current loan. It was completed in 2 days, better rate and I got a credit into my account for switching.
Date published: 2022-08-24
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