Vehicle Loans and Resources


Are you in the market for a new, pre-owned or leased car? Come to Apex first!

An Apex Vehicle Loan means more than just money to spend on a new car. Our loans offer the service you deserve, plus the best interest rates and payment terms for your needs. At Apex, we can help make your loan payments easier with Direct Deposit, Payroll Deduction, and Disability / Death and Involuntary Unemployment Debt Protection (available for most loans at a minimal cost).



Car Buying Guide

Apex has developed an online Car Buying Guide to help you get the perfect car for your family and budget. It includes important questions you need to ask yourself before you even begin vehicle shopping. It also contains more information about the following topics:

  • • Trade-In & Resale Values
  • • Best Time To Buy
  • • The Test Drive Is Important
  • • Your Credit History
  • • Never Buy On Your First Visit
  • • Mandatory Binding Arbitration (MBA)
  • • Your Paper Trail
  • • Pre-approval

Click to download the Car Buying Guide today to learn how to drive home a great vehicle deal!


Vehicle Loan Application

Faster, Easier Car Purchasing

Call for a low monthly payment
Depending on how low you want your payments to be, we can pre-approve your loan with a term of up to 72 months – including up to 100% financing of the purchase price, tax, tags, and warranties.

Protect your investment
We offer several ways to protect you and your vehicle. GAP insurance protects you from financial consequences if your vehicle is stolen or damaged beyond repair. Mechanical Breakdown Protection covers the unwelcome expenses of mechanical breakdown repairs. Add both of these protections for total peace of mind.

Negotiate the best deal
You have the financing you need – now you can focus on getting the best price. You can also take advantage of Enterprise Car Sales opportunities. See the sponsored advertisement at the end of this page, or click here to visit Enterprise.

Drive it home!
When your loan is pre-approved, just call to have a check issued, and you can drive home in your new or pre-owned car. It’s that fast and easy!


New Vehicle Loans

Take advantage of our low rates and flexible terms, with up to 100% financing of the actual vehicle cost. You can use an Apex New Vehicle Loan to buy a new car, truck, van, sport utility vehicle, motorcycle, or RV.

Check our latest newsletter for special discount loan rates, promotions, and sales!

Managing an Apex Auto Loan is even easier with Payroll Deduction and Direct Deposit.


Pre-Owned Vehicle Loans

If a pre-owned vehicle is the car you have in mind, we can offer great loan values. You can finance up to 100% of the Kelly Blue Book retail value or the actual selling price, whichever is less. Our fixed rates are competitive, and so are our terms. With the money we will save you, you can buy more car!



Refinance With Us Today!
If you already purchased a car, truck, van, sports utility vehicle, motorcycle or RV, don't worry about missing the great interest rates and flexible terms that Apex offers to members.


DrivingSense™...the smart choice in vehicle financing!

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing! Sound too good to be true? ...Well, Apex Community FCU has the vehicle financing answer for you .... DrivingSense™!

DrivingSense™ gives you the best of both worlds. Like a lease, DrivingSense™ offers payments considerably lower than conventional financing on your new or used* vehicle. Yet, unlike leasing, with DrivingSense™ you own the vehicle and receive all of the flexibility and benefits of vehicle ownership!

Find out how low your DrivingSense™ payment could be! Click here to go to the DrivingSense™ CarBuilder calculator where you can build your car and compare a conventionally financed vehicle payment with the low DrivingSense™ payment. For more information about DrivingSense™, call 610-323-4135 or visit us today!

*Note: DrivingSense™ financing is available on used vehicles up to 6 model years old (2009-2014).


Guaranteed Asset Protection (GAP)

We all know that a brand new vehicle starts depreciating the minute you drive it off the dealer’s lot. We also know that if the vehicle is stolen or damaged beyond repair before you finish paying for it, your insurance company will probably pay only the actual cash value.

You can protect your investment with Apex Guaranteed Auto Protection (GAP) coverage. This affordable insurance will bridge the gap between the amount you owe and the amount your insurance will pay. Here are the benefits of GAP:

  • • Pays up to 25% due on your loan that exceeds the settlement from your insurance company
  • • Pays your auto insurance deductible up to $1,000
  • • Covers your financing agreement for the entire life of your loan
  • • Delivers all risk protection from total loss or unrecovered theft
  • • Generous coverage up to $50,000
  • • No separate cash payment is needed – you can add the cost to your auto loan.

Don't risk paying for your dream car after it's gone. Contact Apex to protect your investment with GAP!


Vehicle Service Contract

ARE YOU PREPARED for a mechanical breakdown with your vehicle?  Do you have the necessary cash to pay for the rising cost of repairs?  If you answered no to either of these questions then a Route 66 Extended Warranty is an intelligent investment to ensure that you are covered if a mechanical breakdown does occur.  The price of vehicles is consistently on the rise as well as the costs of repairing them. 

A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.  The Route 66 Extended Warranty is the most comprehensive coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “peace of mind” because even the most reliable vehicle can develop a mechanical problem at any time. 

With the Route 66 Extended Warranty’s Open Enrollment you don’t have to purchase your warranty at the time of purchase, but at any time during the life of the vehicle.  Regardless if your vehicle is still under a manufacturer’s warranty, Route 66 Extended Warranty has a plan that will fit your vehicle. DON’T GET STUCK WITH OUT COVERAGE!


Apex Auto Advantage

We have everything you need to secure a great deal on a new or pre-owned vehicle: valuable insider car buying facts, loan pre-approval for negotiating power, and extended terms to keep your payments low. And unlike some dealers and lenders, we can finance up to 100% of the purchase price plus tax, tags and warranties (on approved credit).

  • • Pre-Approval
  • • Refinance & Save
  • • Insurance Services (GAP, Extended Warranties, Auto Insurance)
  • • Trade-In and Resale Values


Kelly Blue Book New and Pre-Owned Car Pricing Guide

The Kelly Blue Book New & Pre-Owned Car Pricing Guide provides up-to-date information on car prices. Before you shop for a car, you really should consult this valuable reference. It will give you a real advantage in bargaining, because you will know the going rates for the vehicle of your choice.


Invest in America

Apex members have access to terrific discounts on vehicles through Invest in America.

Invest In America

Apex is proud to participate in Invest in America, a membership enhancement program that offers discounts to our members on products and services provided by U.S. based companies.

Visit to see how much you can save!


Sponsored Ads:

Enterprise Car Sales