Apex Access: Rent-to-Own Made Easy.

Rent to Own a New Gaming PC in 6 Monthly Payments. No Minimum Credit. Full Ownership Benefits. Return Anytime + More.

Get Started For $180 Today + 

5 Monthly Payments Of $180

CPU - AMD Ryzen 5 4500
CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard

RAM - 16GB DDR4-3000
SSD - 512GB NVMe SSD
GPU - RTX 3050
PSU - 500W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

CPU - AMD Ryzen 5 4500
CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard

RAM - 16GB DDR4-3000
SSD - 512GB NVMe SSD
GPU - RTX 3050
PSU - 500W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

Get Started For $220 Today + 

5 Monthly Payments Of $220

CPU - AMD Ryzen 5 5500
CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard
RAM - 16GB DDR4-3000
SSD - 512GB NVMe SSD
GPU - RTX 5050
PSU - 500W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

CPU - AMD Ryzen 5 5500
CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard
RAM - 16GB DDR4-3000
SSD - 512GB NVMe SSD
GPU - RTX 5050
PSU - 500W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

Get Started For $245 Today + 

5 Monthly Payments Of $245

CPU - AMD Ryzen 5 5500

CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard
RAM - 16GB DDR4-3000
SSD - 512GB Gen3 NVMe
GPU - RTX 5060
PSU - 550W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

CPU - AMD Ryzen 5 5500

CPU Cooler - Apex Pyro CPU Cooler
Motherboard - A520M Motherboard
RAM - 16GB DDR4-3000
SSD - 512GB Gen3 NVMe
GPU - RTX 5060
PSU - 550W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

Get Started For $310 Today + 

5 Monthly Payments Of $310

CPU - AMD Ryzen 7 5700X

CPU Cooler - Typhoon X7
Motherboard - B550M Motherboard
RAM - 32GB DDR4-3000
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5060 Ti 8GB
PSU - 650W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

CPU - AMD Ryzen 7 5700X

CPU Cooler - Typhoon X7
Motherboard - B550M Motherboard
RAM - 32GB DDR4-3000
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5060 Ti 8GB
PSU - 650W 80+ Power Supply
Case - Manik V900 + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

Get Started For $440 Today + 

5 Monthly Payments Of $440

CPU - Ryzen 5 7600X

CPU Cooler - 240MM AIO 
Motherboard - B650M Motherboard
RAM - 32GB DDR5-4800 
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5070
PSU - 750W 80+ Power Supply
Case - Manik Phantom II + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

CPU - Ryzen 5 7600X

CPU Cooler - 240MM AIO 
Motherboard - B650M Motherboard
RAM - 32GB DDR5-4800 
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5070
PSU - 750W 80+ Power Supply
Case - Manik Phantom II + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

 

Get Started For $445 Today + 

5 Monthly Payments Of $445

CPU - Intel Core 5 245KF

CPU Cooler - 240MM AIO 
Motherboard - Z890M Motherboard
RAM - 32GB DDR5-4800 
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5070
PSU - 750W 80+ Power Supply
Case - Manik Phantom II + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

CPU - Intel Core 5 245KF

CPU Cooler - 240MM AIO 
Motherboard - Z890M Motherboard
RAM - 32GB DDR5-4800 
SSD - 1TB Gen4 NVMe SSD
GPU - RTX 5070
PSU - 750W 80+ Power Supply
Case - Manik Phantom II + RGB Fans
WiFi and Bluetooth Capabilities Included

Upgrades Are Possible Post Purchase

Important Apex Access Benefits

Important Information

Exclusive benefits and protections included with your Apex Access plan. It's rent to own, but way better.

⏸️

180-Day Order Hibernation

Life happens. If you can't make a payment, return your PC for up to 180 days to pause your account. We keep 100% of your paid equity safe until you're ready to resume.

🛡️

Trust Rebate & Step-Down

Make your first 3 payments on time and we'll automatically stop the up to 7% risk premium. Additionally, we'll apply 100% of the premium paid in months 1-3 as a credit toward your final payment.

💰

50% On-Time Reward

Finish your path to ownership strong. If you make all 6 payments on time, we will refund 50% of your final payment directly back to you.

🗓️

Grace Period Protection

We believe in our gamers. Enjoy a 14-day excused grace period for one late payment during your term. Stay focused on the game without worrying about immediate penalties.

Apex Access Program Details - A Better Rent To Own Option

Apex Access Program Details

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 premium. A down payment may be required based on credit (down payments lower monthly payments).

🛡️ 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

01

Choose Your Rig

Pick the hardware that fits your needs and proceed to checkout.

02

Risk-Free Start

Complete our short application. If you choose not to proceed, your initial payment is fully refundable.

03

Play While You Pay

Get your PC delivered and start gaming immediately while building your credit history.

Compare R1X - Bronze To Purchasing A Bronze Outright

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.

FeatureOutright PurchaseApex Access Program (620 Credit Score)
Upfront Payment$949.95$180.00
Monthly Payment$0.00$180 (5 Months)
Warranty2 Year Hardware2 Year Hardware
Tech SupportLifetime SupportLifetime Support
Flexibility60-Day Return WindowReturn 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 and apply the amount paid in risk premium in months 1-3 to your final payment.
  • Credit Scores Above 620: Total cost may decrease by up to 4.5% depending on credit score and other credit related factors (approx. $1,031.40 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, or pause their Apex Access Program PC for up to 180 days.

Compare Apex Access To Cash, Affirm, and Credit Cards

Financing Comparison & Risk Analysis

Based on a $949.95 purchase over a 6-month term (2026 Market Rates). Assumes all payments are made on time.

ProgramScorePayment ScheduleSafety LayerCost vs CashTotal Cost
Cash / 0% APRAny$949.95 (Once)Full Ownership$0.00$949.95
Affirm Loan - 27.99%620$169.59/moN/A$67.59$1,017.54
Credit Card - 28.99%620$170.45/moLate Fees & Int.$72.75$1,022.70
Apex Access620$180.00 (x5) → $90.00 **180-Day Pause ***$40.05$990.00
Affirm Loan - 35.99%500$175.46/moN/A$102.81$1,052.76
Credit Card - 35.99%500$175.46/moLate Fees & Int.$102.81$1,052.76
Apex Access500Mo 1-3: $192.60 *
Mo 4-5: $180.00
Mo 6: $52.20 **/****		180-Day Pause ***$40.05$990.00

*Trust Reserve: A 7% premium is included for the first 3 months to establish payment history.

**On-Time Reward: Making all 6 payments on time triggers a 50% discount on the final payment.

***The Safety Layer: Return the PC for up to 180 days to "pause" your account, keeping 100% of your paid equity.

****Trust Rebate: After 3 on-time payments, the premium is removed and 100% of the premium paid ($37.80) is applied as a credit to your final payment.

Apex's 14.4% Access Fee

Transparent Fee Breakdown

Our average 6-month 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 FeeDescription
Inventory Financing4.0%The cost of carrying the asset on our books and financing the inventory over 6 months vs. a one-time cash sale.
Default & Loss Reserve5.0%Offsetting the risk of unreturned, damaged, or defaulted goods to keep the program accessible.
Admin & Reporting4.1%Covers labor, credit bureau reporting, account management, and data security.
Transaction Fees1.3%Direct costs for secure payment processing and banking merchant fees.
Total Average Fee14.4%The total operational cost to provide the Apex Access Program service.
✨ On-Time Reward: Save 9.1%
When you use Auto Pay and pay on time every month, we save the 5.0% Default Risk and nearly all of the 4.1% Admin costs. We pass those savings directly to you by cutting your 6th payment in half, and refunding and removing any risk premium applied at the start.
Effective Cost: 5.3%•Inventory Financing: 4.0%•Stripe Processing: 1.3%

Post Purchase Details

Applying...

Intuitive, streamlined application interface

Seamless Application Process

Our digital application is designed for speed and clarity, providing you with a decision in minutes.

Rate Transparency

Final rates are determined after your application is submitted. Depending on your credit profile, you may see:

  • An up to 7% increase in risk premium.
  • An up to 4.5% decrease based on credit strength.
Note on Down Payments: A down payment may be required. This amount counts directly toward your total balance and serves to lower your monthly payments.
Start Your Application

Apex Access TLDR

Apex Access: TLDR


The Basics
6-Month Path to Ownership: Make 6 fixed monthly payments, and the PC is yours. No hidden fees or compounding interest.

Pricing: Costs average 14.4% above MSRP to cover administrative and access fees.

Credit Adjustments: Your rate may increase (up to 7%) or decrease (up to 4.5%) based on your credit score.

The "Good Behavior" Bonuses
Rate Drop: If you have a credit premium (+7%), make 3 on-time payments, and we’ll remove it and apply any premium paid to your last payment.

The Finish Line Bonus: Make all 6 payments on time, and we’ll refund 50% of your final payment.

Payments & Shipping
First Payment: This isn't a fee! It’s applied to your system cost (or refunded if you don't proceed).

Timeline: Total lead time is roughly 2-3 weeks (1/2 days for application, and 2-3 weeks for the build to be shipped).

Early Payoff: You can pay the balance early at any time with no penalties.

Flexibility & "Hibernation"
Return Policy: You can return the PC at any time before the 6th payment.

Order Hibernation: If you can't pay, you can send the PC back for up to 180 days. We hold your "equity," and you can jump back in later where you left off.

Shipping Cap: Return shipping for hibernation is capped at a flat $42.50.

The Fine Print on "On-Time"
Grace Period: Payments are considered "on time" if made within 3 business days of the due date.