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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
2.55%
starting at
2.45%
starting at
2.30%
Used Vehicle starting at
2.70%
starting at
2.60%
starting at
2.45%
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 06/05/2017.

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 818.
Rated 4 out of 5 by from Keep it simple I became a member, many years ago
Date published: 2017-06-19
Rated 5 out of 5 by from Auto Loan Always been helpful with my auto loans.
Date published: 2017-06-18
Rated 5 out of 5 by from Fast and Easy If I knew refinancing was this fast and easy I would have done it a year ago. Friendly team members! Great low rate.
Date published: 2017-06-18
Rated 5 out of 5 by from Great service! Nice people! And is close to my house! First credit union that I'm a member!
Date published: 2017-06-16
Rated 5 out of 5 by from Good service Loan process went very smoothly
Date published: 2017-06-14
Rated 5 out of 5 by from Best rate ever Amazing service will recommend all my family lay and clients
Date published: 2017-06-11
Rated 5 out of 5 by from The best Credit Union ever We became members 3 1/2 years ago when purchasing a used SUV in Orlando. Recently we purchased another used SUV in Punta Gorda with the help from Joey, Marie and Hector our purchase went through without a problem along with an EXCELLENT interest rate. We were also able to pickup an warranty package to.
Date published: 2017-06-10
Rated 5 out of 5 by from Great Experience at Fairwinds I have been a member of Fairwinds for about 20 years but I never attempted to finance a car loan through Fairwinds. I bought an auto in Melbourne, FL, and my initial loan defaulted to a lender in Melbourne. The lender gave me a reasonable rate in my mind, but I inquired about refinancing through Fairwinds during the first month of the initial loan after looking at information on the Fairwinds web site. The Fairwinds loan rate was about 1/3 of the Melbourne loan rate, so I refinanced the loan with Fairwinds. The loan actionwas completed within a few days. I am a happy camper.
Date published: 2017-06-09
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