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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.

Questions about a loan?

We are here to help.

$600 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.

*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 - $39,999. $400 cash bonus on loan amounts $40,000 - $49,000. $500 cash bonus on loan amounts $50,000 - $59,000. $600 cash bonus on loan amounts $60,000 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.

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
1.85%
used auto rates starting at
2.40%
48 Month
 Eliminate Debt
new auto rates starting at
2.30%
used auto rates starting at
2.80%
60 Month
new auto rates starting at
2.65%
used auto rates starting at
3.20%
72 Month
new auto rates starting at
2.90%
used auto rates starting at
3.45%
  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 05/01/2022. 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 1772.
Rated 5 out of 5 by from Super quick and easy Evelina is great! Felt like I was in and out with a secure and fair transaction. Would highly recommend!
Date published: 2022-05-13
Rated 5 out of 5 by from Very easy and quick I have been a member of Fairwinds for a while and recently needed to apply for a car loan. It was quick and easy, and even with some bumps along the road (from the dealership, not Fairwinds) they were able to switch gears and help me out quickly and efficiently.
Date published: 2022-05-13
Rated 5 out of 5 by from Great Customer experience Associate (Jordon) was efficient, know his customer by name and executed the transaction fast and trouble free. Overall it was a pleasant experience. This loan refinance was initiated and completed on the phone by Miss Sunita hassle free at my convenience.
Date published: 2022-05-13
Rated 5 out of 5 by from Great Process The process to do my auto loan was easy and quick.
Date published: 2022-05-05
Rated 5 out of 5 by from pleasant experience When I refinanced my auto loan at Fairwinds in Longwood I was so pleasantly surprised at how easy and pleasant an experience it was. I was treated respectfully yet in a friendly way. I would recommend them highly to anyone.
Date published: 2022-05-01
Rated 5 out of 5 by from They were awesome Miss Denise was very professional and very Helpful The Best
Date published: 2022-05-01
Rated 5 out of 5 by from Me and my new Destiny I have been a member of Fairwinds for ten years now and proud to say that. They have been for me when I needed them the most. Each time I came to them for a loan or finical advice they have been there for me and my family, Even when I was turned down by them once they told me why and how I could correct the situation to be approved at a later date.
Date published: 2022-04-29
Rated 5 out of 5 by from great rates I became a member 3 years ago with a bank officer. I had a great experience so I went back to the same location close to my office. The same person that took care of me 3 years ago did a great job and handled my financing. excellent job, many thanks.
Date published: 2022-04-25
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