Credit union · NCUA insured
Proponent Federal Credit Union Auto Loan Rates
Top CarrotProponent Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Proponent Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Proponent Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Proponent Federal Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Proponent Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Proponent Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Lease Buyout
Financing available up to 84 months on auto lease buyout. Vehicle retail value must be $5,000 or greater. Up to 100% financing available, based on NADA retail value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. No application fees. Financing not available for vehicles with a branded title or purchased from an auto auction or broker. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Term up to 48 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 49–60 months | 4.74% | Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 61–72 months | 4.99% | Term 61 to 72 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 73–84 months | 5.24% | Term 73 to 84 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
Auto Refinance
Financing available up to 84 months on auto refinance. Auto refinance available on cars not currently financed at Proponent. Vehicle retail value must be $5,000 or greater. Up to 100% financing available, based on NADA retail value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. No application or title transfer fees. Financing not available for vehicles with a branded title or purchased from an auto auction or broker. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Term up to 48 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. Auto refinance available on cars not currently financed at Proponent. |
| 49–60 months | 4.74% | Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. Auto refinance available on cars not currently financed at Proponent. |
| 61–72 months | 4.99% | Term 61 to 72 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. Auto refinance available on cars not currently financed at Proponent. |
| 73–84 months | 5.24% | Term 73 to 84 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. Auto refinance available on cars not currently financed at Proponent. |
New Auto
Financing available up to 96 months on a new vehicle. Vehicle retail value must be $5,000 or greater. Up to 100% financing available of total transaction price (includes price of vehicle, warranties, etc.). Financing not available for vehicles with a branded title or purchased from an auto auction or broker. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Term up to 48 months. APR based on credit worthiness, loan type, loan to value and term of loan. Rate and terms subject to change. Vehicle retail value must be $5,000 or greater. |
| 49–60 months | 4.74% | Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 61–72 months | 4.99% | Term 61 to 72 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 73–84 months | 5.24% | Term 73 to 84 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 85–96 months | 5.74% | Term 85 to 96 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| — | 3.99% | New Member Special Offer valid 60 days from date of membership. Includes a 0.50% rate discount with promo code WELCOME on all new, used, and refinanced vehicles not currently financed with Proponent. Rate cannot be combined with any other offer. Length of promotion is at Proponent's discretion. |
Used Auto
Financing available up to 84 months on a used vehicle. Vehicle retail value must be $5,000 or greater. Up to 100% financing available, based on NADA retail value or the purchase price, whichever is lower. Financing not available for vehicles with a branded title or purchased from an auto auction or broker. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Term up to 48 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 49–60 months | 5.24% | Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 61–72 months | 5.49% | Term 61 to 72 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
| 73–84 months | 5.74% | Term 73 to 84 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater. |
Who can join Proponent Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.