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fairwinds.org | Get the freedom to go further.

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.

$300 Refinance Bonus

Jumpstart your debt-free plan with an auto refinance bonus up to $300!

  • 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 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
a Eliminate Debt productEliminate Debt
new auto rates starting at
1.75%
used auto rates starting at
2.30%
48 Month
a Eliminate Debt productEliminate Debt
new auto rates starting at
2.45%
used auto rates starting at
2.90%
60 Month
new auto rates starting at
2.55%
used auto rates starting at
2.95%
72 Month
new auto rates starting at
2.85%
used auto rates starting at
3.25%
  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 07/01/2021. 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 1675.
Rated 1 out of 5 by from Terrible I was ghosted by multiple agents due to them quitting/getting fired. I was only able to continue the process when I would call to get a new agent. They had me open an account, ran my credit, then I never got a response. Horrible system. Wouldn’t recommend the headache.
Date published: 2021-07-25
Rated 5 out of 5 by from Outstanding Customer Service I had previously dealt with another financial instituion and was not satisfied. Fairwinds employee went above and beyond to help me change to Fairwinds for my auto loan.
Date published: 2021-07-23
Rated 5 out of 5 by from Great value I became a member of 2009. I love Fairwing. Your are the best. Customer services are very professional
Date published: 2021-07-23
Rated 1 out of 5 by from Refinance experience I am a new member and still don't have much information on my loan... The communication has been a disappointment. Looking forward to being a loyal customer and hoping it get's better. I don't know my loan #? I don't have confirmation of loan payments? I would not recommend a friend or family based on my experience thus far.
Date published: 2021-07-23
Rated 5 out of 5 by from Excellent service I was pleasantly surprised that I was able to get my auto refinance approved
Date published: 2021-07-23
Rated 5 out of 5 by from Life savers Fairwinds dropped my cars interest rate by 10% the process was super quick and completely online I never had to step foot in a branch. I would definitely recommend
Date published: 2021-07-05
Rated 5 out of 5 by from Better rates! Had a great opportunity to get a lowered interest rate with Fairwinds compared to the bank I had my car loan with.
Date published: 2021-06-29
Rated 5 out of 5 by from Do this first! I transferred my dealer loan to Fairwinds and halved my interest rate. I was very happy with the support from Fairwinds, and wish I had gone to them before making the purchase at the dealers. The auto dealers finance company charged a few hundred dollars to get out of their loan that I could have avoided if I had the pre-approved Fairwinds financing at the outset.
Date published: 2021-06-28
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