HAPO Loan Center

Step 2 of 4: Get Pre-Approved! Use our simple ONLINE APPLICATION.

Drive your financial future with HAPO. Affordable rates and speedy decisions make it easy for you to purchase a new or used car, truck or SUV that fits your needs and your budget. Financing terms range up to 84 months depending on the year of the vehicle.

Click the "Apply Now" button below to apply online, stop by a branch, call us, or tell your auto dealer you want HAPO financing.

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Type / Description	APR	Max. Term	Conditions
Auto / 2005-Newer	5.75% to 6.65%	84 Months	*
Auto / 2001-Newer	4.75% to 9.65%	66 Months	* ++
Auto / 2000-Older	6.75% to 7.75%	36 Months	* ++

Type / Description	APR	Max. Term	Conditions
Motorcycle / 2005-Newer	5.75% to 6.65%	84 Months	*
Motorcycle / 2001-Newer	4.75% to 9.65%	66 Months	* ++
Motorcycle / 2000-Older	6.75% to 7.75%	36 Months	* ++

Continue to Step 3 of 4: Use online RESEARCH TOOLS to help you get the best deal.

*Rate varies based on credit profile, collateral and other factors. MSRP - Kelly or NADA retail plus sales tax, license and warranty. Contact credit union lending for specific rate information and length of term. Credit Card rates based upon credit score and credit qualification.

++Auto/Motorcycle months or "Rule" is 100,000 miles and over, limited to 60 months. Over 100,000 miles 80% retail value, 150k and over will finance 50% of value. Over 200,000 miles not eligible for financing. Classic cars are subject to value in the "Old Car Price Guide". Terms based on amount financed and are subject to change without notice.