Get pre-approved in minutes
Pick your store, answer a few questions, and see the rate, term, and payment you are approved for. First-time buyer, rebuilding, or excellent: every credit story is welcome here.
- About 2 minutes
- Real terms, not an estimate
- First-time buyers welcome
How it works
Three steps, no surprises
Pick your store and answer a few questions about you and your budget. It takes about two minutes.
You get an actual rate, term, and monthly payment you are approved for, not an estimate off a slider.
Shop with your approval already in hand, finish the paperwork at the store, and drive home, often the same day.
Payment estimator
Estimate a payment while you are here
Starts from an excellent-credit profile, the same assumption behind the payments shown on our listings. Move the sliders to match your situation. Your real rate comes from pre-approval, not from here.
Estimate only, for illustration. Actual rate and terms depend on credit approval, lender, and vehicle. Not a financing offer.
Apply online
Apply for financing in 60 seconds
Tell us a little about yourself and we’ll match you with the right lender. No paperwork, no commitment, and no credit check to get started.
Application Details
By submitting you agree to be contacted by Apex Motors. This is a request to be contacted, and no credit check is run until you choose to move forward with a lender.
Common questions
Financing FAQ
Can I get financed with bad credit?
Yes. We work with 20+ lenders specifically to approve buyers with challenged credit. A larger down payment helps, but we have options for nearly every situation.
I have no credit / I'm a first-time buyer. Now what?
No problem. We have first-time-buyer programs and lenders who look at income and stability, not just score. Bring proof of income and we will find a path.
Can I put my trade-in toward the down payment?
Absolutely. Tell us about your vehicle on our Value My Trade page. There is no automatic online estimate; our appraisal team reviews the details you send and follows up with a real offer. Accept it and we apply it directly to your down payment or balance. Value My Trade
How long does approval take?
Most buyers get a decision within minutes of applying online. Stop by either showroom and you can often drive home the same day.