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For most people, buying an automobile is the second biggest purchase in their life. The biggest is a house which typically appreciates (increases in value) over time while an automobile depreciates (decreases in value) from the moment of purchase. Regardless of the method you use to buy a vehicle, it's important to realize that knowledge is power and preparation is everything. Use HAPO’s easy 4-step process:   Step 1: Use our LOAN CALCULATOR to determine how much you can afford. (Click here)   Step 2: Get Pre-Approved! Use our simple ONLINE APPLICATION. (Click here)   Step 3: Check out these RESEARCH TOOLS to help you get the best deal. (Click here)   Step 4: Locate the car you want through our DEALER DIRECT network. (Click here)