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Auto

What drives you?
Auto Loan with proponent

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.

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Purchase

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

Rates as low as 2.24% APR.**

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Refinance

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.

Proponent Auto Showroom

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New

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
Icon car used

Used

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

Icon car refinance

Refinance

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

Other transportation icon

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.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement you have with us. 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.
GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP-2454900.1-0319-0421© CUNA Mutual Group, 2019. All Rights Reserved.

** 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 December 31, 2020.