HAPO Community Credit Union
HAPO Community Credit Union — auto refi rates from 5.24% APR for 2018-and-newer vehicles.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means HAPO Community Credit Union does not publish this on their public site. "No restriction" means HAPO Community Credit Union explicitly states no limit.
Overview
HAPO Community Credit Union provides auto refinancing for vehicles from other financial institutions with model years 2018 and newer. As of October 2026, they offer rates as low as 5.24% APR for terms up to 60 months, requiring a credit score of 750 or higher.…
What’s great
- Competitive starting rate of 5.24% APR for 60 months
- Generous mileage limit up to 150,000 miles
- Decision can be received in minutes during business hours
What to know
- Lowest advertised rate requires a high credit score of 750 or above
- A 0 loan processing fee applies
- Restricted to 2018 and newer models for the best rates
Eligibility
| Minimum credit score | 750 |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.24% — minimum only; full range not published |
| Maximum vehicle age | 8 years |
| Maximum mileage | 150,000 miles |
| Loan amount range | Not disclosed |
| Term length | Up to 60 months |
| States served | 3 states |
| Membership requirement | Open to anyone who lives, works, worships, or attends school in Washington state, or in specific counties in Oregon and Idaho. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from HAPO Community Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with HAPO Community Credit Union before applying.
- [1]Auto Refinance | HAPO Community Credit Union — HAPO Community Credit Unionhttps://www.hapo.org/promos/auto-refinanceLast checked: October 2026
- [2]Membership Eligibility | HAPO Community Credit Union — HAPO Community Credit Unionhttps://www.hapo.org/hapo-about/membershipLast checked: October 2026