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Fairwinds Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Fairwinds Credit Union auto loans

Fairwinds Credit Union logo

Fairwinds Credit Union provides quick and convenient vehicle financing to its members all around the country. From cars and trucks to RVs and boats, members can secure competitive rates at flexible terms. In addition, applicants can shop at over 14,000 partner dealers and enjoy top brands and discounted rates.

Want to see what a Fairwinds auto loan will cost? Try the Fairwinds Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Fairwinds Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 4.95% APR for new cars and 5.45% APR for used cars.
  • Loan terms: Up to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Autopay discounts and discounts for borrowers with FAIRWINDS Visa Signature cards.

FAIRWINDS CREDIT UNION AUTO LOAN OPTIONS

New and used vehicle loans

Fairwinds’ auto loans have competitive interest rates and workable terms of up to 72 months. For a low rate of 4.95% APR, you can lock in a new car, SUV, truck, or van. Meanwhile, APRs start at 5.45% for pre-owned vehicles. Plus, you can easily apply online and get approved immediately.

Motorcycle, boat, and RV loans

If you want to fund your adventure rides, Fairwinds Credit Union can help with it, too. New motorcycles, boats, and RVs can come at 6.85% APR. But used motorcycles start at 7.15% APR. Then, pre-owned boats and RVs may have APRs as low as 7.10%.

Business auto loans

You can finance new and used cars, SUVs, trucks, vans, and more for business travel and commercial use. If you want to know your options, you can speak with a business auto loan specialist at 888-413-0675.

Fairwinds Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Fairwinds Credit Union

Fairwinds Credit Union auto loan

Fairwinds Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Fairwinds Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Fairwinds Credit Union auto loan

Eligibility criteria

Though Fairwinds doesn’t indicate the requirements, you commonly need to be:

  • A Fairwinds member
  • 18 years old or older
  • Employed or have a source of income

Each credit union sets different credit standards. But a good credit standing and positive payment history help boost your application. That said, an excellent credit score helps you qualify for more ideal rates and flexible terms.

What you’ll need to have ready

When you apply for auto financing with Fairwinds Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Fairwinds with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Though Fairwinds Credit Union can approve applications immediately, note that the turnaround time may still depend on your situation. It may take longer if the credit union needs more information or documents. So, preparing the requirements ahead can help you get your keys sooner.

Ways to apply for a Fairwinds Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-413-0652

Additional Fairwinds auto loan details

  • Automatic payment: Available.
  • Loan approval times: Immediately.
  • Rate discounts: 0.10% APR off with autopay, and 0.25% discounts for members with FAIRWINDS Visa Signature cards.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Allowed.
  • Ways to repay: Online banking, mobile app, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Quick turnaround time.
  • Competitive interest rates for new and used vehicles.
  • Workable loan terms.
  • 0.10% rate discount for automatic payments from a Fairwinds checking account.
  • 0.25% discount for members with Fairwinds Visa Signature cards.
  • Over 14,000 dealership partners.
  • Easy membership requirements.
  • Fast online loan application.
  • Convenient online car-buying service.
  • No payment for 90 days when refinancing.
  • Optional coverage available, including guaranteed asset protection (GAP) and mechanical repair coverage.

Cons

  • Undisclosed minimum and maximum loans.
  • Undisclosed loan fees.
  • Borrowers with low credit scores may get higher APRs.
  • Unspecified vehicle requirements.

Frequently asked questions

Do you have to be a member to get a loan?

Yes. You need to be a Fairwinds Credit Union member to receive auto financing.

How to join Fairwinds?

To become a Fairwinds member, you just need to contribute a $5 membership share.

Are the car loans available in all 50 states?

Yes. Fairwinds serves members in all states.

How long does Fairwinds take to approve a loan?

You can save time and get the loan decision instantly. But if the credit union needs additional details, it may take longer.

Does Fairwinds Credit Union refinance auto loans?

Yes. You can switch your car loan to Fairwinds and get a lower interest rate and shorter term. Additionally, you can enjoy no payment for 90 days.

Are there discounts available on Fairwinds Credit Union car loans?

You can get 0.10% off on your rate when you set up autopay from a Fairwinds checking account. Plus, you can receive a 0.25% discount with Fairwinds Visa Signature cards.

Does Fairwinds allow lease buyouts?

Yes, but Fairwinds only accepts lease buyouts in the State of Florida.

Video: Leasing vs Financing: A guide to buying your next car

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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