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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.

$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 10/01/2021. 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 1699.
Rated 5 out of 5 by from Great value! The loan office was very thorough and pleasant to work with. She was also very knowledgeable about their products.
Date published: 2021-10-05
Rated 5 out of 5 by from Auto Loan I decided to purchase a vehicle that my wife and I had leased for the past three years. I went online and filled out the application paperwork. The loan was approved and the loan officer and her manager did an outstanding job of helping me get the loan closed and doing the necessary paperwork to re-register and title the vehicle. I would definitely recommend Fairwinds to my friends and family.
Date published: 2021-09-28
Rated 5 out of 5 by from Great Customer Services Great customer services and a quick response time.
Date published: 2021-09-27
Rated 5 out of 5 by from Great Fairwinds mange to make my payments go little bit lower best thing is the cash back and the no payment for 90 days help me alot
Date published: 2021-09-26
Rated 5 out of 5 by from Great interest rate and term len I became an auto loan customer because of interest rate and options on term length of loans available.
Date published: 2021-09-25
Rated 5 out of 5 by from Beat the competition New member. I stopped in nearby branch this week and was happy with customer service!!
Date published: 2021-09-25
Rated 5 out of 5 by from Great Value I saved $$$ from my original loan with another financial institution
Date published: 2021-09-03
Rated 5 out of 5 by from Norma was extremely helpful! I received an auto loan a little over a month ago from fairwinds and the entire application/execution process was so easy and simple. The loan officers (whoever I was able to reach at the time) were all extremely helpful and knowledgeable about the process. 10/10 would get another loan from fairwinds!
Date published: 2021-08-30
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