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

Questions about a loan?

We are here to help.

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
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% (1.08% APR) at 36 months for a $20,000 loan would result in a monthly payment of $567.49.

Rates are current as of 07/01/2019.

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 $50. 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 1460.
Rated 5 out of 5 by from Car loan Great experience I will buy my next car through FAIRWINDS
Date published: 2019-07-12
Rated 5 out of 5 by from Great Experience I've been a member of Fairwinds for about 25 years. Recently I obtained a car loan with Fairwinds and got a great interest rate and loan terms. Everything was quick and easy. Fairwinds is easy to deal with and provide friendly, courteous service with every transaction.
Date published: 2019-07-12
Rated 5 out of 5 by from Outstanding Customer Service I worker with the loan officer in the Oviedo branch and she was an outstanding resource and handled everything quickly and professionally
Date published: 2019-07-08
Rated 5 out of 5 by from Great Service We have been FAIRWINDS members since we moved here in 2013. It was one of the best decisions we ever made.
Date published: 2019-07-01
Rated 5 out of 5 by from Fantastic service We have done 2 car loans through FAIRWINDS. Sara in the office has handled our business and it has been seamless and easy. We just paid off the 2nd loan and in inquiring about the process she handled it all. Best service anywhere!!!!
Date published: 2019-07-01
Rated 5 out of 5 by from Outstanding customer service . The overall experience was phenomenal. The staff are very understanding and appreciate your business.
Date published: 2019-06-30
Rated 5 out of 5 by from Amazing staff! I have been a member of Fairwinds for almost twenty years. Fairwinds staff has always treated me with respect. Manager Amy at the Saint Cloud branch is the most professional and caring person I have ever dealt with at Fairwinds. Amy was attentive to detail and always answered my calls and questions. This is my 2nd vehicle loan refi with her. Thank you Amy. Your professionalism exceeds itself.
Date published: 2019-06-29
Rated 5 out of 5 by from Great people, Great rates! have been a member for years, loan for an used vehicle, great rates, great institution!
Date published: 2019-06-24
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