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Auto Loan

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New, used, classic—buy the car you want with confidence.

Your car is an expression of you, so it has to be just right. Whether you're buying, refinancing or looking to turn your lease into a loan, Apex Finances has it all. When you have good credit, you can get a simple, low-interest loan from LightStream, our online lending division. The process is fast and effortless—no fees, no hassle and same day funding available3. Get behind the wheel of your dream car today.


New Auto Loan: Drive your new car home with new auto loan rates as low as 3.99%2 APR with AutoPay.

Used Auto Loan from a Dealer: Put yourself in the driver’s seat with a used auto loan rate as low as 3.99%2 APR with AutoPay.

Classic Car Loan: Take the wheel with a rate as low as 3.99%2 APR with AutoPay on a classic car loan.

Auto Lease Buyout: Buy out your existing car lease with a rate as low as 4.99%2 APR with AutoPay.

The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car-buying services, or any other similar third-party subsidized rate offerings.

The lender’s interest rate offer must be generally available to all of its customers that share a similar credit risk profile (so that employee discount programs or other special, limited lending programs would not qualify)

The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.

You need to be approved for the other lender’s interest rate (APR)

If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.