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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 Type APR* APR*
1400 RR
APR*
3500 RR
New Vehicle starting at
2.60%
starting at
2.50%
starting at
2.35%
Used Vehicle starting at
2.75%
starting at
2.65%
starting at
2.50%
36 Month Special 36 month term
.89%
Learn More

*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% (0.89% APR) at 36 months for a $20,000 loan would result in a monthly payment of $568.

Rates are current as of 10/01/2017.

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 $52.46. 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 902.
Rated 5 out of 5 by from Wonderful experinence!!! I am so happy to finally made the refinancing of my car with Fairwinds. Everything was really easy and quick and the costumer service was absolutely nice. Thank you very much for such a great offer and wonderful experience. ;)!!!
Date published: 2017-10-15
Rated 5 out of 5 by from Excellent, Professional & Quick Our auto loan process for Quick, Personalized, Professional, Hasslefree & Excellent.
Date published: 2017-10-15
Rated 5 out of 5 by from Easy Peasy Marie made this whole transaction a piece of cake for us. Everything was done over the phone and next thing I knew I signed on line and I had a car. Great experience but Marie made it even better!
Date published: 2017-10-15
Rated 5 out of 5 by from Car loan, satisfied customer! I have had 3 previous car loans from fairwinds. My recent car was purchased at a dealer and I took the loan they offered me. A few months later, a Fairwinds rep called and offered me a lower rate plus $100. I saved $50 month and I'm back in the fairwinds family!!
Date published: 2017-10-12
Rated 5 out of 5 by from Excellent Car Loan Rates Fairwinds made the application process easy and Kimberly was always available to answer questions.
Date published: 2017-10-08
Rated 5 out of 5 by from A Great Community Resource Allowed me to buy a great used auto that did not conform to non credit union banks.This was good banking services with excellent old fashion service. Professionals who listened and than responded with awesome solutions that saved me thousands over standard dealer fees.
Date published: 2017-10-07
Rated 5 out of 5 by from Wonderful Experience Great Customer Service! Obtaining our car loans was an incredibly easy, quick and painless experience. Our loan office was fantastic, very professional and helpful.
Date published: 2017-10-06
Rated 5 out of 5 by from Excellent i became a Fairwinds member earlier this year and I love them. Everyone is so helpful and professional. They also follow up with you.
Date published: 2017-10-03
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