Refinance your auto loan to HAPO
Take advantage of our competitive Auto Loan Rates, apply at the button below, or stop by a HAPO location near you to refinance today!
Rates as Low as 5.24 % APR* for 60 months
Effective as of February 1, 2026
Important Disclosures:
Rates as low as 5.24% APR for up to 60 months
Requires 720+ credit score. Vehicle must be 2018 or newer. Pending credit approval. Maximum term and loan amount depend on purchase price and product. 60 days to first payment available upon request. Must be a new auto loan or refinance from another financial institution (loan must be at least 90 days old). Co-maker deals and refinancing of existing HAPO Community Credit Union auto loans do not qualify. Minimum monthly payment of $50 required.
APR = Annual Percentage Rate. All rates, terms, and fees are subject to change without notice. Offer subject to change or end at any time.
Your actual rate and approval are subject to credit approval and other underwriting criteria.
Loan Processing Fee: $50 applies on all consumer collateral loans (autos, motorcycles, boats, motorhomes, travel trailers, ATVs, off-road vehicles, etc.).
Ineligible Collateral: Salvage-title vehicles, branded titles, lemon law buybacks, or vehicles with over 150,000 miles.
Depending on the new loan terms, your monthly payment may or may not decrease, and actual savings (if any) will vary.
Other restrictions and conditions may apply. Federally insured by NCUA. For complete rate sheet and additional terms, please contact HAPO Community Credit Union or visit hapo.org. Rates and offers subject to change. Membership and credit approval required. Visit rates page for rates and additional information.
Example (5.24% APR, 60 months): Finance $30,000 for 60 months at 5.24% APR = $569.44 per month Total finance charge = $4,166.49 | Total of payments = $34,166.49 (Actual payment and term will vary based on approved amount, rate, and credit qualifications.)