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 2.74% APR for 48 months would be $440.88. APR and credit limit may vary due to an individual's credit worthiness. Rates include the following discount: Premium Benefits Service Pack membership. Delayed payment offer is optional. 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 2.74% for 48 months would be $442.88 with the 90 day no pay promo period and $440.88 without it. Other restrictions may apply. Rate and terms subject to change. Length of promotion is at Proponent's discretion.