No impact to your credit score

Get pre-approved in minutes

Checking your rate is a soft credit pull, so it will not affect your credit score. Every credit story is welcome here: first-time buyer, rebuilding, or excellent.

Get Pre-Approved →Estimate a payment

✓Soft pull, no score impact
✓About 2 minutes
✓Real terms, not an estimate

How it works

Three steps, no surprises

Check your rate

Answer a few questions about you and your budget. It runs as a soft credit pull, so your score is not affected.

See your real terms

You get an actual rate, term, and monthly payment you are approved for, not an estimate off a slider.

Pick your car and sign

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.

Vehicle price$28,000

$8k$60k

Down payment$2,000

$0$20k

Credit profile

Loan term

Estimated monthly payment

$442/mo

Estimated APR6.9%

Amount financed$26,000

Term72 months

✓No obligation. A finance specialist follows up with your options.

Get Pre-Approved →

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.

Works with all credit types

Real human follow-up, fast

Se habla español

First name

Last name

Phone

Employment status

Estimated monthly income

I agree to receive marketing calls, texts, and emails from Apex Motors at the number provided, including autodialed or prerecorded messages. Consent is not a condition of purchase. Reply STOP to opt out. See our Terms and Privacy Policy.

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

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.