Apex access program
Own a New Gaming PC in 6 Monthly Payments. No Minimum Credit. Full Ownership Benefits. Return Anytime + More Benefits.
We handle all Apex Access Program PCs right here in-house! After purchasing, there’s just a quick application to fill out. Don’t worry—if you change your mind for any reason, your initial payment is 100% refundable.
While our flexible plans are designed to fit most budgets, purchasing your PC outright remains the most cost-effective option. On average, the Apex Access Program costs 14.4% more than an outright purchase. Please note that advertised rates are based on a 620 credit score; your final monthly payment will be determined by your individual credit profile.
Apex Access Program
Flexible monthly payments, and clear terms. Own your rig outright at the end—or sooner if you pay it off early.
Opportunity for Everyone
We approve gamers that standard lenders often deny by managing the risk ourselves. No third-party banks like Affirm or Klarna required.
The Flexible Path
Spread your cost over 6 months while building your credit profile. We report all positive payments to major credit bureaus.
Clear Pricing
Pricing is transparent and based on a 620 credit score. Higher scores reduce your rate; lower scores may include a risk premiumof up to 7%.
🛡️ Drop the Risk Premium
Make your first 3 payments on time, and we will automatically remove the Risk Premium for the remainder of your term.
💰 50% Last Payment Back
Finish strong! If you make all 6 payments on time, we'll refund 50% of your final payment directly to you.
How to Get Started
Pick the hardware that fits your needs and checkout.
Complete our short application. If you choose not to proceed at any point during the application, your initial payment is fully refundable.
Get your PC delivered and start gaming immediately while building your credit history through on-time payments.
Apex R Series: R1X Transparency Comparison
We value clarity. Here is the R1X cost breakdown based on your ownership path, compared to the closest retail model, the Apex Bronze.
| Feature | Outright Purchase | Apex Access Program (620 Credit Score) |
|---|---|---|
| Upfront Payment | $949.95 | $180.00 |
| Monthly Payment | $0.00 | $180 (5 Months) |
| Warranty | 2 Year Hardware | 2 Year Hardware |
| Tech Support | Lifetime Support | Lifetime Support |
| Flexibility | 60-Day Return Window | Return Anytime During The 6 Month Term |
| Total Ownership Cost | $949.95 | $1,080.00* |
*Risk-Based Pricing Disclosure
To provide access to high-end hardware without traditional credit requirements, we adjust the Apex Access Program premium based on credit-related default risk:
- Credit Scores Below 620: Total cost may increase by up to 7% depending on credit score and other credit related factors (approx. $1,155.60 total). Make 3 straight payments on time? We will drop the premium for your remaining payments.
- Credit Scores Above 620: Total cost may decrease by up to 7% depending on credit score and other credit related factors (approx. $1,004.40 total).
- Total Cost: Your total cost of ownership with the Apex R1X is up to $205.65 higher than the Apex Bronze.
Note: Customers can return the device at any time during the 6-month period to cancel future payments.
Transparent Fee Breakdown
Our average 6-month the Apex Access Program fee is 14.4%. Here is the operational cost-recovery breakdown showing how that fee supports your path to ownership.
| Expense Category | % of Fee | Description |
|---|---|---|
| Inventory Financing | 4.0% | The cost of carrying the asset on our books and financing the inventory over 6 months vs. a one-time cash sale. |
| Default & Loss Reserve | 5.0% | Offsetting the risk of unreturned, damaged, or defaulted goods to keep the program accessible. |
| Admin & Reporting | 4.1% | Covers labor, credit bureau reporting, account management, and data security. |
| Transaction Fees | 1.3% | Direct costs for secure payment processing and banking merchant fees. |
| Total Average Fee | 14.4% | The total operational cost to provide the Apex Access Program service. |