Apex Access Program PCs are processed in-house. After purchase, you must complete a 4-step application. If you choose not to proceed after reviewing your final payment terms, your initial payment is fully refundable.
While our flexible plans fit any budget, buying outright is the cheapest way to get your tech. Apex Access Program costs an average of 14.4% more than purchasing a PC outright. Advertised prices are based on a 620 credit score; your actual monthly rate may vary. If you don't agree to the final terms, your purchase is fully refundable.
Flexible monthly payments, clear terms, and top-tier hardware. Own your rig outright at the end—or sooner if you pay it off early.
We built the Apex Access Program for gamers who don’t qualify for traditional financing or prefer not to pay upfront. While standard lenders often deny scores below 620, we approve everyone by managing the risk ourselves. Our Apex Access Program pricing includes a 'Risk Premium,' allowing us to provide you computer hardware without relying on third-party banks like Affirm or Klarna.
Spread the cost over 6 months and enjoy gaming today. We report all positive payments to major credit bureaus, helping you build credit while you own your rig.
Life happens. Pause your payments, not your progress. Return your PC for up to 180 days and keep 100% of your earned credit. Pick up exactly where you left off when you're ready.
Prices are based on a 620 credit score. High scores (620+) may reduce your monthly payment by up to 7%, while lower scores (below 620) may increase it by up to 7%. These adjustments are based on your credit profile and other risk factors.
Make all 6 payments on time and get 50% of your last payment returned to you.
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* |
To provide access to high-end hardware without traditional credit requirements, we adjust the Apex Access Program premium based on credit-related default risk:
Note: Customers can return the device at any time during the 6-month period to cancel future payments.
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. |
