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FAIRWINDS members, on average, save $50 each month when they refinance their auto loan with us. 

Questions about a loan?

We are here to help.

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
1.49%
starting at
1.39%
starting at
1.24%
Used Vehicle starting at
1.59%
starting at
1.49%
starting at
1.34%
36 Month Special 36 month term
.89%
Learn more about our 36 Month Special

*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 08/01/2018.

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 1172.
Rated 5 out of 5 by from Great team The team at Fairwinds was very professional and helpful. They accommodated my timing and locations.
Date published: 2018-08-17
Rated 5 out of 5 by from Great Transaction Stephanie was great made the transaction easy and painless the way it should be, Thank you!!!
Date published: 2018-08-16
Rated 5 out of 5 by from EXCEPTIONAL SERVICE & EXPERIENCE HAVE BEEN A MEMBER FOR ALMOST 40 YEARS, BACK WHEN IT WAS "NAVY ORLANDO FEDERAL CREDIT UNION". HAVE ALWAYS RECEIVED GREAT SERVICE. JUST FINANCED A NEW CAR, LONG DISTANCE, AS WE LIVE IN VIRGINIA NOW AND THE TRANSACTION WAS MADE QUICKLY AND EASY.
Date published: 2018-08-16
Rated 5 out of 5 by from Wonderful staff. Great rate. I have been a member for several years. It was easy for me to schedule an appointment and talk to Evelina D. about securing an auto loan. The first reason I went to Fairwinds first was because of the rate advertised. I am pleased with how easy the process was and how helpful Evelina was during the whole process. It was a great experience. Payment is even easy to do through the website.
Date published: 2018-08-15
Rated 5 out of 5 by from Excellent Been a member over 20 years, always superb service.
Date published: 2018-08-14
Rated 3 out of 5 by from Auto loan transfer to Fairwinds Fairwinds contacted me and wanted to know if I wanted to transfer my autoloan to fairwinds for a slightly better rate and get $100 reward. I did it, the loan has been transferred, but when I signed the electronic paperwork, it required that I send in a copy of my auto insurance declaration page for proof of insurance. I tried multiple times, but the fax # wasn't working, so I emailed a copy to the person that helped me. Now I am getting a notice in the mail from Fairwinds that they still don't have proof of insurance for me! I now will have to call to get that straightened out and to find out where the $100 is that they promissed would be deposited in my checking account weeks ago.
Date published: 2018-08-14
Rated 5 out of 5 by from Car Loan Excellent customer service by the team in the Oviedo branch. They made the loan happen quickly.
Date published: 2018-08-13
Rated 5 out of 5 by from Great service Michelle and Rich were great all the way through the process.
Date published: 2018-08-13
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