Rates

Proponent Rates

Rates are effective as of October 24, 2021.

PRODUCT
UP TO 48 MONTHS1
49 TO 60 MONTHS1
61 TO 72 MONTHS1
73 TO 84 MONTHS1
85 TO 96 MONTHS1
New Auto 1.99% 2.49% 2.99% 3.24% 3.49%
Used Auto 2.74% 3.24% 3.74% 3.99%
Auto Refinance 2.24% 2.74% 3.24% 3.49%
Auto Lease Buyout2 2.24% 2.74% 3.24% 3.49%
Recreational and Sport Vehicle3 4.74% 5.24% 5.74% 5.99%

1APR = Annual Percentage Rate. APR is based on credit worthiness, loan type, loan to value and term of the loan. Rate cannot be lower than 1.99%. Example monthly payment for a $20,000 New Auto loan at 1.99% for 48 months would be $433.94. Other restrictions may apply. Financing available up to 96 months on a new vehicle and 84 months on a Used Auto, Auto Refinance or Recreational. Auto Refinance available on vehicles not currently financed at Proponent. 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%.

2APR = Annual Percentage Rate. Lease Buyout rate cannot be lower than 2.24%. 0.50% discount is valid on the purchasing of a leased vehicle. 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 Lease Buyout loan, at 2.24% APR for 48 months would be $436.00. 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 expires 12/31/2021.

3 New and used Motorcycle, RV, boat, snowmobile, and all-terrain vehicles.

Other things you should know:

New cars: We finance 100% of total transaction price (includes price of vehicle, warranties, etc.) of new vehicle purchases.
Used cars and Recreational and Sports Vehicles: Up to 100% financing available, based on NADA “retail” value or the purchase price, whichever is lower.
Retail value of vehicle must be $5000.00 or greater.
Restrictions apply on financing a vehicle with a Loan to Value over 100%.