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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
3500 RR
New Vehicle starting at
starting at
starting at
Used Vehicle starting at
starting at
starting at
36 Month Special 36 month term
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 03/16/2017.

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 757.
Rated 5 out of 5 by from Happy member Happy to be a member of FAIRWINDS credit union
Date published: 2017-03-25
Rated 2 out of 5 by from Great rate - slow poor service I had been a member for almost 12 years and purchased a car previouslyrics using fairwinds c.u. however, I recently closed all of my acct. My last car loan went so smooth & we received such good service. This car loan and transaction was horrible! The pre-approval letter was unexceptional and once the dealership verify approval it took Fairwinds almost 3 weeks to pay the dealer. When my husband when to sign the papers (I had went previously). He had to wait for almost 30min.while the agent was at her desk alone. Just a reminder of why we closed all of our acct. Poor service & unacceptable bank eras do to lack of proper computer system.
Date published: 2016-11-15
Rated 4 out of 5 by from Great for my first auto loan I've been a Fairwinds member for quite a long time now and I love this credit union! My mom referred me to Joni, my loan officer, to help us out with my auto loan. Living in Los Angeles, the communication process was a bit difficult. Joni was very helpful and knowledgeable of her work and the process, though I wish she were a bit friendlier and approachable. At times, I felt nervous or anxious to reach out to her with questions or concerns. At one point, she misread my e-mail and said I wasn't qualified to finance but we caught the mistake and were able to move forward. Nonetheless, she was extremely helpful! :) I just wish I felt more comfortable reaching out.
Date published: 2016-08-11
Rated 5 out of 5 by from Auto Loan One of your tellers advised me his screen showed I had been approved for release of my funds on my secured credit card. I didn't have time right then, so asked him to have someone call me. She did. During our phone conversation, she said, "I see that you are ALSO approved for a new auto loan". I told her that I was not interested in a NEW loan, however, I was VERY interested in re-financing the high interest loan I current had. She was very expeditious in getting that done. I was and am VERY pleased. In the process however, I was told that I was turned down for the release of my funds with the secured credit card. I hope that can be readdressed in the near future.
Date published: 2015-07-18
Rated 5 out of 5 by from Credit score of 4 yes 4 to 700 I became a member of Fairwinds last March. I had a credit score of four. Working with loan officer Kathy I obtained a secured personal loan to build my credit. after seven months I found my dream car and with the off chance that I might be approved for a loan I contacted Kathy again at the Apopka branch. Within a few hours she called me back and informed me that I had been approved for a no down payment loan. She was ecstatic that I had been approved because we had been working together for the past year to get to this point. Needless to say I now own a very fun car. However my insurance is more than my car payment :(
Date published: 2016-03-01
Rated 5 out of 5 by from New car loan. When I decided to buy a new car, I stopped by the Lee Vista office in Orlando. The relationship manager talked to me about what was available. She gave me the paperwork to give to the dealer. While at the dealer, she called me and lowered the rate we talked about. She talked to the finance person at the dealer. To make a long story short, I ended up financing through the dealer just to get the price I wanted. I saw my bank rep the next day and we started the refinancing process for the rate she gave me. I have been with Fairwinds for many years now. And will be for life. I vote for her to be employee of the year.
Date published: 2016-09-21
Rated 1 out of 5 by from Disappointed in customer service i have an auto loan with Fairwinds and went to sell my car (private sale) and was given the wrong information multiple times regarding the pay off process. My buyer and I both took off work to handle the sale and weren't able to register the vehicle in his name due to wrong information given. I called multiple times and heard a different story each time regarding what the best way to handle the private sale was. Extremely disappointed at how inconvenient this experience was for me and my buyer. My process/experience obtaining my loan from Fairwinds however was great, so just to clarify I was not happy with the customer service relating to the loan pay off/title information.
Date published: 2016-04-21
Rated 5 out of 5 by from SUCCESSFUL AUTO REFINANCE Jim and Keli were amazing at the Fairwinds in Baldwin Park. Jim worked his magic to get me in with the correct rep and worked around my work schedule to get my auto refinance done...and on a weekend day! And then Keli got the entire process done on a Saturday by 1! I felt so comfortable talking to them which made the process so much easier for me. I felt like I was treated with such care and like if I was part of their family. I regret not having gone to Fairwinds before, especially after my old loan company wasn't able to help me get a better rate. With Fairwinds I went from a 5.3% rate to a 2.55% which helps me save so much money! Thank you Keli & Jim, you guys are the absolute best :)
Date published: 2016-09-20
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