Lower the payment
on the car you already own.
Apex refinances your existing auto loan to bring the monthly payment down. Drivers who switch keep an average of $147 a month in their pocket.
Seeing your payment takes about a minute and uses a soft credit check — it will not affect your credit score.
- 4 min
- average apply time
- $190
- average payment cut
- 90 days
- until first payment
Sample payment comparison
Paying today
$612/mo
42 months left · 14.9% APR
Sample Apex offer
$420/mo
72 months · 14.9% APR · $30,240 total of payments
You keep $192 every month
Same rate, longer term.
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, what you pay today and the vehicle. Roughly two minutes of typing.
STEP 02
See your new payment
Every option shows the monthly payment, the term behind it and the total you'd pay.
STEP 03
Get pre-qualified
Submit your pre-qualification and a lending specialist follows up with final terms.
AI payment assistant
Describe your loan in plain English and get an instant new-payment estimate.
Soft credit check
Checking your simulated payment 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.
Payment 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 new payment 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 applicationHow the sample comparison works: the payment shown is lower because the balance is spread over 72 months instead of the 42 remaining — at the same 14.9% APR — so you pay more interest overall ($30,240 total of payments). A lower rate, when you qualify for one, cuts the payment further. Figures are illustrative; your offer depends on credit, vehicle and payoff balance.