HMFC Low APR Programs may be combined with HMA Valued Owner All customers must qualify under HMFC complete credit guidelines Coupons or Competitive Owner Programs (these two may not be combined), and/or HMA U.S. Military Incentive. Low APR programs may not be combined with any other HMFC or HMA incentive (rebate and side dealer cash) or rebate and may not be used in conjunction with the FastDrive Program.