How it works

Refinancing swaps your existing car loan for a new one with a better rate or term. The car stays yours the whole time — only the lender changes.

1. 1 · Application

   Five short screens: current loan, vehicle, about you, income, and a review with consent. Everything saves as you type, so you can walk away and come back.

2. 2 · Soft credit pull

   We pull a soft inquiry to price your offers. Soft inquiries are invisible to other lenders and never lower your score.

3. 3 · Offer selection

   You get term options side by side — 48, 60 and 72 months — with APR, monthly payment, and the savings against your current loan.

4. 4 · Pre-qualification

   Confirm your preferred offer and submit your pre-qualification. A lending specialist will follow up to finalize the terms and collect any remaining documents.

5. 5 · Loan closing

   Once your application is finalized, the new lender sends the payoff to your existing lender and files the new lien with your state DMV.

6. 6 · First payment

   Your first Apex payment is due 45 to 90 days after closing. Autopay shaves another 0.25% off the rate.