Personal Loans, Personal, 90 Day No Pay, No Payments for 90 Days, Personal Loan Rates, Debt Consolidation, Signature Loan, No Collateral Loan, Signature Collateral, Personal Loan Terms, Personal Loan Calculator
Personal Loans

Turn to your Proponent to cover life's expenses.

When the unexpected occurs, you can expect the personal service you've become familiar with in the form of a loan.

Personal Loans

Personal solutions for personal circumstances.

Proponent understands that sometimes life happens or throws us curveballs. That’s why we offer personal loans for whatever may come your way. As your advocate, we also make sure you have a little breathing room before your first payment. 

  • 90 days before 1st payment is due*
  • Rates as low as 7.99% APR
  • Terms up to 60 months
  • Borrow up to $20,000
  • Debt Protection is available


Estimate your monthly loan payment.

What’s my debt-to-income ratio?

How much can I borrow?

See our current rates

Your estimated monthly payment

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Debt-to-Income Ratio (DTI) is the sum of monthly debts minus gross annual income. It's a critical factor in getting a loan.



Your debt to income ratio is

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An ideal DTI for loan approval is 45% or lower.

What’s your credit score range?




Your Results

Up to:


Estimated Card Limit Range

These results are approximate and are intended for information only. The accuracy of the results is not guaranteed by the financial institution

Here are some ideas to get you started

*APR = Annual Percentage Rate. 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 applied toward the accrued interest before reducing your loan principal. Delayed payment is optional when opening a personal loan. An example monthly payment for a $20,000 personal loan at 7.99% for 60 months would be $412.09 with the 90 day no pay promo period and $406.73 without it. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. The 90 day no pay promo offer does not apply to Proponent Personal Loan refinances within 12 months of original loan open date. Other restrictions may apply. Rate and terms subject to change. Length of promotion is at Proponent's discretion.

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