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Auto Loan Refinancing
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Last Updated: 04/18/2025

Proponent Federal Credit Union Auto Refinance

in Auto Loan Refinancing from Proponent Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Amount Range

N/A

APR (Fixed APR)

5.24% - 6.74%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

48 - 84
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Proponent Federal Credit Union Auto Refinance Review

Proponent Federal Credit Union Auto Refinance is an auto loan refinance offering by Proponent Federal Credit Union, based in Nutley, NJ. Founded in 1971, Proponent Federal Credit Union offers auto refinance loans in 50 states (and Washington, DC).

What are the auto loan refinancing rates offered through Proponent Federal Credit Union Auto Refinance?

Proponent Federal Credit Union Auto Refinance offers a fixed APR car loan refinancing product that ranges from 5.24% APR up to 6.74% APR.

What is the maximum loan term you can get with Proponent Federal Credit Union Auto Refinance?

Proponent Federal Credit Union Auto Refinance offers auto refinancing with terms ranging from 48 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Proponent Federal Credit Union Auto Refinance charge an origination fee on auto refinance loans?

Yes, Proponent Federal Credit Union Auto Refinance charges a loan origination fee .

Does Proponent Federal Credit Union Auto Refinance charge a late fee?

Yes, auto refinance loans via Proponent Federal Credit Union Auto Refinance are subject to late payment penalty fees of up to $25.00 .

Does Proponent Federal Credit Union Auto Refinance charge prepayment fees?

Yes, Proponent Federal Credit Union Auto Refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for Proponent Federal Credit Union Auto Refinance?

Proponent Federal Credit Union Auto Refinance 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 Refinance 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 Refinance.
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 Refinance report your account activity to credit bureaus?

Yes, Proponent Federal Credit Union Auto Refinance 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 Refinance 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

173 Bloomfield Ave
Nutley, NJ 07110
(800) 457-8058
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Email Support

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

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