Skip to main content | Financial freedom happens here.

Refinance to a shorter term to help you pay off your loan faster and eliminate debt.

Auto Refinance Bonus

Jumpstart your debt-free plan with an auto refinance bonus up to $600!

  • 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.

$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 - $39,999

$400 cash bonus on loan amounts $40,000 - $49,999

$500 cash bonus on loan amounts $50,000 - $59,999

$600 cash bonus on loan amounts $60,000 and higher

*Special cash bonus promotional offer and amounts are subject to change at any time. 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. Refinance bonus does not apply to vehicles purchased through a third-party vendor. 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
 Eliminate Debt
new auto rates starting at
used auto rates starting at
48 Month
 Eliminate Debt
new auto rates starting at
used auto rates starting at
60 Month
new auto rates starting at
used auto rates starting at
72 Month
new auto rates starting at
used auto rates starting at
  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 01/03/2023. 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 for New & Used Vehicles is rated 4.9 out of 5 by 1833.
Rated 5 out of 5 by from Quick to Respond I’ve been a FAIRWINDS member for a long time now and I needed to get a car loan. The process was smooth and quick.
Date published: 2023-01-10
Rated 5 out of 5 by from LOVE THIS BANK Went into the branch to get a new debit card printed. She offered to double check the old card to make sure auto payments would not be effected (which how nice!?) Noticed my car payment, we chatted about possibly doing a refinance. She walked us thru every step and quickly got us processed. Better rate, better term and better payment all less than 1 year into this car. Love fairwinds!
Date published: 2023-01-03
Rated 5 out of 5 by from Minimal Effort This is my third auto loan experience with Fairwinds. Each time has been little effort on my part with the associate working directly with the Simple Car Buying seller.
Date published: 2023-01-01
Rated 5 out of 5 by from Always the best experience!! I joined FAIRWINDS for a car loan rate about 4 years ago. Since then, it is always my first choice and has become our first stop for any car loan. Service is impeccable. By phone, online or in person- it feels like the team is eager to help fulfill your needs!
Date published: 2022-12-29
Rated 5 out of 5 by from VW car loan Almost instant approval at rates less than the dealer.
Date published: 2022-12-29
Rated 4 out of 5 by from Easy and fast I’m member since 2021, I so happy for your services and costumer services efficient
Date published: 2022-12-18
Rated 5 out of 5 by from Thanks for a Smooth Transaction This auto refinance was the easiest thing I've done in a while. Great rate, great promotion. Refinanced immediately after purchase into a 36 month loan. Huge savings over the course of the loan. My rep was great. In a world where every transaction is hard, difficult, complicated, challenging this was EASY! Thank you!
Date published: 2022-12-12
Rated 5 out of 5 by from Great rates and quick process I am happy to be a member of Fairwinds and the loan process is seamless and very quick approvals. I did refinance once and also took a new loan for my auto loan needs.
Date published: 2022-12-04
  • y_2023, m_1, d_25, h_22
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.34
  • cp_1, bvpage1
  • co_hasreviews, tv_416, tr_1417
  • loc_en_US, sid_5, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_fairwinds
  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 31.05ms