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fairwinds.org | Get the freedom to go further.

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

$300 Refinance Bonus

Jumpstart your debt-free plan with an auto refinance bonus up to $300!

  • 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.

*Special cash bonus promotional offer and amounts are subject to change at any time. $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 and higher. 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. 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
a Eliminate Debt productEliminate Debt
new auto rates starting at
1.75%
used auto rates starting at
2.30%
48 Month
a Eliminate Debt productEliminate Debt
new auto rates starting at
2.45%
used auto rates starting at
2.90%
60 Month
new auto rates starting at
2.55%
used auto rates starting at
2.95%
72 Month
new auto rates starting at
2.85%
used auto rates starting at
3.25%
  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 09/01/2021. 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 is rated 4.9 out of 5 by 1691.
Rated 5 out of 5 by from Great Value I saved $$$ from my original loan with another financial institution
Date published: 2021-09-03
Rated 5 out of 5 by from Norma was extremely helpful! I received an auto loan a little over a month ago from fairwinds and the entire application/execution process was so easy and simple. The loan officers (whoever I was able to reach at the time) were all extremely helpful and knowledgeable about the process. 10/10 would get another loan from fairwinds!
Date published: 2021-08-30
Rated 5 out of 5 by from Great value and superb service Second auto loan and third loan and all three we're a smooth process
Date published: 2021-08-29
Rated 5 out of 5 by from refinance I was pleased how quickly the refinancing of my automobile from one financial institution to Fairwinds was. Appreciate it.
Date published: 2021-08-25
Rated 3 out of 5 by from Little Confused Rate conversations felt like a sales competition instead of offering a rate commensurate to Fairwinds relationship and qualifications.
Date published: 2021-08-24
Rated 5 out of 5 by from New Auto Loan Applying for and receiving a new auto loan from Fairwinds was the best process in customer service I have experienced from a company! My loan associate was professional, responsive, and went the extra mile to provide the paperwork and close the deal in record time. In less than 24 hours I had the loan completed and a new vehicle purchased! That is amazing customer service! Thank you Fairwinds, and thank you Norma!!!
Date published: 2021-08-23
Rated 5 out of 5 by from Another Good Experience Have been members since 1980 when it was Navy Orlando not Fairwinds. Always have had good experiences with this Credit Union. The loan was a lower interest rate and was done quickly and we were very satisfied
Date published: 2021-08-22
Rated 5 out of 5 by from Lowest rates available anywhere 30 + years as a member and have never thought of changing banks!!!
Date published: 2021-08-22
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