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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 08/01/2017.

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 848.
Rated 5 out of 5 by from A+ Service! I am so glad I went to Fairwinds for my auto refinance!
Date published: 2017-08-14
Rated 5 out of 5 by from Excellent customer service!! I stopped in for a promotional refinance offer on my car and they made it so easy and worth the time!!!
Date published: 2017-08-12
Rated 5 out of 5 by from Great guy knew his stuff Fairwinds was recommended by my daughter and the experience was great.
Date published: 2017-08-11
Rated 5 out of 5 by from Quick and easy loan... I've been a member since leaving the army and everyone has always been pleasant to deal with.
Date published: 2017-08-10
Rated 5 out of 5 by from Shaved a year of my payments off In addition to giving me a reward for refinancing my auto loan I shaved a year of payments off with roughly the same payment because of the great rate. They contacted me to offer the refinance after pulling my credit for another account... So it made it even more awesome, because it was unexpected. Thanks Fairwinds!
Date published: 2017-08-10
Rated 5 out of 5 by from Nicest People.. The experience was easy, fast, and clear. Excellent costumer service. Sandra and Tia were really helpful on helping figure out my options.
Date published: 2017-08-09
Rated 5 out of 5 by from Awesome Been a member now for a long time
Date published: 2017-08-08
Rated 5 out of 5 by from Great Rate! Great Service I secured my second auto loan with Fairwinds a month ago and it was an easy process. Jennifer the branch manager was terrific and the process lasted about 20 minutes.
Date published: 2017-08-08
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