auto, auto loans, auto loan rates, used car, used car loans, used car loan rates, car, car loans, car loan rates, refinance, car refinancing, auto refinancing, 90 days no payments, vehicle, vehicle financing, vehicle loan rates, proponent, car loan calculator, bad credit car loans, refinance car loan, car title loans near me, online car loans, auto car loan, apply for car loan, car loan apr, car loans near me
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 2.49% APR

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

Rates as low as 2.49% APR.**

Refinance your car for savings.

Save money every month by refinancing your current auto loan.

Rates as low as 2.99% 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

Your estimated monthly payment

{{purchaseLoanEMIResult.emi | currency:"$ "}}

for a {{purchaseLoanEMIResult.principle | currency:"$ "}} loan

Your current loan info

Refinance loan info

See our current rates

New Monthly Payment

{{refinanceLoan.NewLoanInfo.emi | currency:"$ "}}

Monthly Savings

{{refinancePerMonthLoanSaving | currency:"$ "}}

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 2.49% APR.


New Auto Loans with your best interests in mind.

  • Rates as low as 2.49% 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 2.99% APR.


Auto Loans with your best interests in mind.

  • Rates as low as 2.99% 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 2.99% 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.

* Guaranteed Asset Protection (GAP) Plus. 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.

** APR = Annual Percentage Rate. 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 New Auto loan, at 2.49% APR for 48 months would be $438.42. Vehicle retail value must be $5,000 or greater. Other restrictions may apply. Financing available up to 96 months on New Vehicles and up to 84 months on Used and Recreational Vehicles. APR and credit limit may vary due to an individual's credit worthiness, loan type and term of the loan. Rate and terms subject to change. Up to 100% financing available, based on NADA “retail” value or the purchase price; whichever is lower. Restrictions apply on financing a vehicle with a Loan to Value over 100%.

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