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What drives you?
New, Used, and Refinanced Auto Loans with low rates and flexible terms.

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, or flexible terms up to 84 months, driving the car of your dreams has never been easier.

Rates as low as 2.24% APR

New and used auto loans with no hidden fees and flexible terms.

Rates as low as 2.24% APR.**

Refinance your car for savings.

Save money every month by refinancing your current auto loan.

Rates as low as 2.24% APR.**

Looking for your next car?

Search hundreds of makes and models from local dealers in the Proponent Showroom.

Shop our showroom at

Estimate your monthly car loan payment.

See our current rates

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Please try lengthening your terms or feel free to contact an advocate at 800.457.8058.

Results are approximate and intended for information only.

New Auto Loan Rates as low as 2.24% APR.


New Auto Loans with your best interests in mind.

  • Rates as low as 2.24% APR**
  • Terms up to 96 months
  • Browse our Showroom
  • GAP Plus* coverage and Debt Protection are available
Used Auto Loans with rates as low as 2.74% APR.


Auto Loans with your best interests in mind.

  • Rates as low as 2.74% APR**
  • Terms up to 84 months
  • Browse our Showroom
  • GAP Plus* coverage and Debt Protection are available

Save money with a rate as low as 2.99% APR*.


Let us help bring down your current car payment.

  • Rates as low as 2.24% APR**
  • Terms up to 84 months
  • No application or title transfer fees
  • GAP Plus* coverage and Debt Protection are available

Finance up to 100% of the purchase price of a recreational vehicle.

Recreational & Sports Vehicle

Need more than basic transportation?

  • No application fee
  • Finance up to 100% of purchase price
  • Up to 84 month loan terms
  • No pre-payment penalties
  • Debt Protection is available

You have questions, we have answers.

* Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), is optional. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

** APR = Annual Percentage Rate. Auto Refinance Promotion is valid on vehicles not currently financed at Proponent. Rates cannot be combined with any other Proponent offer and/or services. APR and credit limit may vary due to an individual's creditworthiness and the term of the loan. Example monthly payment for a $20,000 Auto Refinance loan, at 2.24% APR for 48 months would be $436.51. Vehicle retail value must be $5,000 or greater. Other restrictions may apply. Financing available up to 84 months. Rate and terms subject to change. Up to 100% financing available, based on NADA “retail” value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. Offer ends September 30, 2020.

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