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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
1.98%
used auto rates starting at
2.18%
48 Month new auto rates starting at
2.99%
used auto rates starting at
3.25%
60 Month new auto rates starting at
3.65%
used auto rates starting at
4.00%
72 Month new auto rates starting at
4.02%
used auto rates starting at
4.37%

*APR = Annual Percentage Rate

Rates are current as of 09/01/2019. 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 1500.
Rated 5 out of 5 by from Refinancing was super easy I loved how easy it was to refinance with Fairwinds. Our loan from Kia was too long and had too high of an interest rate. Refinancing with Fairwinds is going to save my partner and me thousands of dollars, and it was so easy to set up. The employee we worked with helped each step of the way.
Date published: 2019-09-08
Rated 3 out of 5 by from Did it anyway I was not happy with the fact that the interest rate changed when the paper work was sent to me with no explanation. When asked, the loan officer was quiet and did not answer. (crickets) This to me is not the best way to do business. I also do not like automatic payment withdrawals. I'm a big boy and can pay my bills. This credit union is turning more into a bank all the time. Which is why I opened an account here in the first place.
Date published: 2019-09-06
Rated 5 out of 5 by from Great Rates I was able to cut my interest rates by half and I will have my car paid off 15 months sooner after refinancing with Fairwinds.
Date published: 2019-09-05
Rated 5 out of 5 by from great service Kim very efficient and helpful. Would recommend her to my friends.
Date published: 2019-08-30
Rated 5 out of 5 by from First car loan in 15 years. I wasn't going to take out a car loan but just couldn't pass up the rate that was offered. It was the easiest and fastest loan I have ever taken. I did everything by email and telephone and had approval in literally minutes. Love Fairwinds!
Date published: 2019-08-28
Rated 5 out of 5 by from Car loan We have been very happy with Fairwinds. Everyone has been helpful, professional and friendly.
Date published: 2019-08-26
Rated 5 out of 5 by from Great rate, cut mine in half Ever since becoming a member I've transfered all of my business to Fairwinds.
Date published: 2019-08-26
Rated 5 out of 5 by from Friendly, fast, and honest The staff are friendly and helpful. The loan was processed quickly. We are very satisfied.
Date published: 2019-08-26
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