Effective Date: March 2026
These Terms of Use govern your access to and use of the APEX Lending website. By using the website, you agree to these Terms.
You may use the site only for lawful purposes and may not misuse, disrupt, or attempt unauthorized access.
Website content is informational and does not constitute financial advice or a commitment to lend. Any offer is subject to review, eligibility, and verification.
If you opt into SMS communications, you agree to receive text messages from APEX Lending related to your loan inquiry, application updates, document requests, appointment confirmations, and customer support.
APEX Lending is a direct lender. All applications submitted through this website are reviewed directly by APEX Lending.
† Annual Percentage Rates (APRs) range from 6.99%–35.99%. APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term of 4 years or longer will be at least 4.99%. Your loan term will affect your APR, which may be higher than our lowest advertised rate. Eligibility for the best available rate is subject to creditworthiness. For example, a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3-year $5,000 loan with a 6.99% APR has 36 scheduled monthly payments of $152.83.
About half of our customers receive their funds the next day. After successful verification, funds may be deposited into your bank account within 1–3 business days. The term, amount, and APR of any loan we offer will depend on your credit score, income, financial obligations, loan amount, credit history, and other factors. If approved, your loan agreement will contain the specific terms and conditions. The timing of available funds after approval may vary depending on your bank’s policies.
Loan amounts range from $2,000–$100,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second APEX Lending loan, your total existing APEX Lending loan balances cannot exceed $100,000. APEX Lending products are not available to residents of Iowa, Vermont, West Virginia, the District of Columbia, or U.S. territories.
APEX Lending loans may be prepaid at any time without penalty. Barring unforeseen circumstances, APEX Lending loans have a minimum term of 36 months and a maximum term of 60 months.
To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account, we may ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver’s license or other identifying documents.
