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FAIRWINDS branches will be closed on Monday, January 20 in observance of Martin Luther King Jr. Day. | Get the freedom to go further.

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

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 Term New Car APR* Used Car APR*
36 Month new auto rates starting at
used auto rates starting at
48 Month new auto rates starting at
used auto rates starting at
60 Month new auto rates starting at
used auto rates starting at
72 Month new auto rates starting at
used auto rates starting at
  Want an even better auto loan rate?
Enjoy a .25% APR* discount on your next auto loan when you have the FAIRWINDS Preferred Visa® Signature card.
Learn more about our Preferred Visa Signature card.

*APR = Annual Percentage Rate

Rates are current as of 01/01/2020. Your actual rate is based on your credit quality, down payment, loan term, and amount financed.

Discounted Rate: Rates above include a .25% discount for automatic payment from a FAIRWINDS checking account. The rate will increase by .25% 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.

1Average monthly savings of auto loans refinanced at FAIRWINDS from another financial institution 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 1538.
Rated 5 out of 5 by from Made the process easy It’s always a pleasure working with Fairwinds, and this auto loan was know exception! After our first auto loan through Fairwinds I knew they would be the best choice for my new loan. Marie was pleasant and patient, and a complete joy to work with! We love the flexibility and opportunities being a member allows us. Thank you!
Date published: 2019-12-09
Rated 5 out of 5 by from Easy Process! Extremely helpful As a current member of Fairwinds, I came back here for an auto loan and the process was super easy. They walked me through each step of the process and it made it easy to purchase the car I wanted. Thanks Fairwinds!
Date published: 2019-11-30
Rated 5 out of 5 by from Excellent service. I have been a member of Fair Winds since Sept. 2010 when you financed my mortgage now I needed to finance a vehicle and I am very happy with your services.
Date published: 2019-11-25
Rated 5 out of 5 by from Lowest rate Not our first experience with FAIRWINDS and it probably won’t be our last.
Date published: 2019-11-24
Rated 5 out of 5 by from Easy I have had several auto and home. Loans with fairwinds
Date published: 2019-11-24
Rated 5 out of 5 by from Wonderful Experience! I had the best experience refinancing my car! The process was very simple and I'm excited to be saving money!
Date published: 2019-11-22
Rated 5 out of 5 by from Denise was awesome I have worked with Denise for a little over a year with being my lending needs to FAIRWINDS. In each transaction she has been available promptly and has walked me through any questions and solutions. Each loan I have with FAIRWINDS has saved me money, not only on the interest rates, but on the convenience as well.
Date published: 2019-11-21
Rated 5 out of 5 by from Incredible Experience! Everyone made getting a car loan seem like a horrid process. The experience was quite possibly the easiest thing, ever, and more enjoyable than I could have imagined.
Date published: 2019-11-21
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