Last Updated: 04/18/2025
Proponent Federal Credit Union Auto Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
5.74% - 7.74%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
48 - 96
Proponent Federal Credit Union Auto Loan Review
Proponent Federal Credit Union Auto Loan is offered by Proponent Federal Credit Union, a credit union founded in 1971 and based in Nutley, NJ. Proponent Federal Credit Union Auto Loan are available in 50 states and Washington, DC.
Proponent Federal Credit Union Auto Loan FAQ
What APR does Proponent Federal Credit Union Auto Loan offer on its car loans?
Proponent Federal Credit Union Auto Loan offers a fixed apr car loan product that ranges from 5.74% APR up to 7.74% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Proponent Federal Credit Union Auto Loan?
Proponent Federal Credit Union Auto Loan has car loans with terms ranging from 48 to 96 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does Proponent Federal Credit Union Auto Loan charge an origination fee?
Yes, Proponent Federal Credit Union Auto Loan may charge a loan origination fee .
Does Proponent Federal Credit Union Auto Loan charge a late fee?
Yes, Proponent Federal Credit Union Auto Loan charges borrowers with a late payment penatly fee of up to $25.00
Does Proponent Federal Credit Union Auto Loan charge prepayment fees?
Yes, Proponent Federal Credit Union Auto Loan does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Proponent Federal Credit Union Auto Loan loan?
Yes, you can. However, Proponent Federal Credit Union Auto Loan charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Proponent Federal Credit Union Auto Loan?
Proponent Federal Credit Union Auto Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Proponent Federal Credit Union Auto Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Proponent Federal Credit Union Auto Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does Proponent Federal Credit Union Auto Loan report your account activity to credit bureaus?
Yes, Proponent Federal Credit Union Auto Loan reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Proponent Federal Credit Union perform a hard credit pull?
Yes, Proponent Federal Credit Union Auto Loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Proponent Federal Credit Union a legit company?
Proponent Federal Credit Union was founded in 1971, it is a well-established company that has been in business for 55 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed