Pay less for the car
you already own.
Apex refinances your existing auto loan at a better rate. Drivers who switch cut an average of $147 a month off their payment.
- 4 min
- average apply time
- 4.29%
- starting APR
- 90 days
- until first payment
Sample payoff comparison
Current loan · 14.9% APR
$612/mo
Apex offer · 6.24% APR
$465/mo
You keep $147 every month
Describe your loan, skip the form
Type it how you'd say it. Our AI assistant pulls out the numbers and estimates savings.
How it works
Three steps, start to pre-qualified
STEP 01
Tell us about your loan
Payoff amount, current rate and the vehicle. Roughly two minutes of typing.
STEP 02
See your offers
Our engine returns term and rate options side by side with your monthly savings.
STEP 03
Get pre-qualified
Submit your pre-qualification and a lending specialist follows up with final terms.
AI savings assistant
Describe your loan in plain English and get an instant savings estimate.
Soft credit check
Checking your simulated offers never touches your credit score.
Photo & video pre-fill
Snap the VIN or record a walk-around and we fill the vehicle details in.
Skip up to two payments
First payment on the new loan can land 45–90 days out.
Where AI helps
Four places AI does the typing
Every AI touchpoint is labelled in the flow, and every value it produces is editable before you continue. Nothing is decided by AI alone.
Savings assistant
Describe your loan in plain English; we parse the numbers.
Vehicle scan
Frames from your photo or walk-around read VIN, plate and odometer.
Condition & valuation
A damage grade plus retail and loan value with an LTV read.
Document pre-fill
Loan statements and pay stubs fill your fields for you.
Built for people, not paperwork
- No dealership visit, no notary, no faxing bank statements.
- Save your progress at any step and finish on another device.
- Skip up to two payments while we pay off your existing lender.
- Optional GAP and vehicle service coverage quoted at signing.
“I started the application at a red light and finished it before dinner. My payment dropped $163.”
See your number in about four minutes
No fees, no credit impact, and nothing is ever submitted to a real lender — this is a demonstration flow.
Start my application