Auto
What drives you?

Whether it's your first car, family transportation, or dream vehicle - Proponent can help.

Proponent is proud to offer you a range of Auto products with features to fit your individual needs. Whether it is Low Rates, flexible terms up to 84 months, up to $300 cash back or 90 days of no payments, driving the car of your dreams has never been easier.

New

Rates as low as 1.99% APR1

Used

Rates as low as 2.49% APR1

ReFi

Rates as low as 2.49% APR1

Enterprise Worry-free Ownership

Low Rates. High Expectations.1

  • 7-Day Repurchase Agreement
  • 109-Point Vehicle Inspection
  • 12-Month / 12,000 mile limited Powertrain Warranty
  • Free Carfax Report
  • 12-month Roadside Assistance

Recreational and Sport Vehicle

Need More Than Basic Transportation?2

  • No Application Fee
  • Finance up to 100% of purchase price
  • Up to 72 month loan terms
  • No pre-payment penalties

Guaranteed Asset Protection (GAP) Plus. For a low premium of $399, you can feel at ease knowing that GAP Plus will help pay the difference between your primary insurance settlement and your loan balance if your vehicle gets stolen or totaled.

Guaranteed Asset Protection (GAP) Plus on Recreational Vehicles. For a low premium of $499, you can feel at ease knowing that GAP Plus will help pay the difference between your primary insurance settlement and your loan balance if your vehicle gets stolen or totaled.

1 APR = Annual Percentage Rate. Promotion is valid on all new, used and refinanced vehicles not currently financed at Proponent. Rates cannot be combined with any other Proponent offer and/or services. Example monthly payment for a $20,000 loan at 1.99% APR for 60 months would be $350.35. APR and credit limit may vary due to an individual’s credit worthiness. Rates include the following discount: Premium Benefits Service Pack membership. Members have the right to choose between 1% cashback or 90 days of no payments. Offer applies to approved and funded loans only. The 1% cash back offer is based on total loan amount and will be deposited into a Proponent share account with a maximum payout of $300. For example, a $20,000 car loan refinanced would receive $200. Tax reporting is member responsibility. Delayed payment offer is optional and cannot be combined with 1% cashback. During promotion, interest will continue to accumulate on your loan during the 90 days of no payment. Your first loan payment will begin 90 days from your loan open date and be put toward the accrued interest before reducing your loan principal. An example monthly payment for an auto loan at 1.99% for 60 months would be $351.65 with the 90 day no pay promo period and $350.35 without it. Other restrictions may apply. Rate and terms subject to change. Length of promotion is at Proponent’s discretion.

2 Rates vary based on your credit score and other factors. Up to 100% financing available, based on NADA “retail” value or the purchase price; whichever is lower. Vehicles can be financed up to 72 months. Retail value of vehicle must be $5,000.00 or greater. 0.25% rate reduction is included for Premium Benefits Service discount.

Need to discuss with an advocate?
We’re here to listen at 800.457.8058.