The HAPO Community Credit Union is a auto loan from HAPO Community Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is 5.24% to 17.99% APR for 2018 and newer; 6.24% to 17.99% APR for 2007-2017 (rates effective as of 2/1/2026). Loan terms: Maximum term dependent on purchase price..