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Auto Refinancing


Refinance your car today and put high monthly payments in your rear view mirror.

If you currently make payments on a car loan from a lender other than Proponent, it’s time to make a u-turn. Because there’s a very good chance we can offer you a better rate or more flexible terms.

Although we don’t wear coveralls to work, that doesn’t mean we’re not willing to put some “elbow grease” into saving you money every month through auto refinancing. Think of Proponent representatives as financial mechanics who can help lower your auto payments — easily and stress-free.

Try this quick three-point DIY inspection to see if you’re in the fast lane to refinancing your auto loan with Proponent*:
  • Is your current auto loan at least $10,000?
  • Do you drive a 2011 or newer model vehicle?
  • Are you currently paying an APR over 2.99% on your existing loan?
If you answered yes to the above questions, and qualify, we’ll offer to beat your current rate by 1% or meet the rate down to a minimum of 2.99% APR.* You’ll even get the same low rate for up to 84 months (72 months on 2011 and 2012 vehicles).

To find out exactly how much you could save month after month with Proponent, simply call 800 457 8058, opt. 2, stop into your local branch and ask a representative, or click here to apply for Proponent’s auto refinancing program today.

*APR = Annual Percentage Rate. Rate cannot be combined with any other Proponent offer and/or services. Vehicles currently financed at Proponent are not eligible. For every $1,000 financed @ 2.99% for period of 84 months, monthly payment is $13.20. Proponent will beat competitor rate by 1% or meet the rate down to a minimum of 2.99% for qualified members, with proof of current rate from a finance statement. Loan amounts are based on retail value of automobiles. A loan to value of 115% maximum based on the most current NADA used car book or NADA value stated on the NADA web site. Loan amounts for 2013 and 2014 vehicles may be set either by Kelley Blue Book (Retail Freight included) or by member’s original purchase order should we not be able to obtain values by methods stated above.