HAPO Loan Center

Step 1 of 4: Use our LOAN CALCULATOR to determine how much you can afford.

Begin by reviewing your monthly expenses in relation to your income. If you need help, consult a HAPO loan specialist who can assist you with any part of the pre-approval process.

Interest rates vary depending your credit score, term of the loan, and year of the vehicle but HAPO has great low rates and a range of products that can protect your investment. See loan protection benefits.

Keep in mind that as you increase your monthly financial obligations, your borrowing power for other purchases and your ability to save money will be reduced.

Enter the retail price of the vehicle you're considering and any other variables to calculate your estimated monthly payment. This calculation reflects amounts in U.S. Dollars rounded to the nearest whole dollar. Estimated monthly payments DO NOT include license, doc, emissions, or other possible fees.

>> Click here to get PRE-APPROVED NOW! <<

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

*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.