All Apex R-Series Rent-to-Own agreements are subject to credit approval and verification. Apex R-Series is available to customers in the United States only. Pricing is calculated using the system’s retail price plus a 10% administrative and servicing fee and a 3.5% financing fee, disclosed prior to contract execution. Customers with credit scores below 620 may be required to provide a down payment or pay a higher risk-adjusted monthly amount (capped at 10%), as determined at the time of application. Once a contract is signed, payment terms and total obligations will not change regardless of future credit status unless expressly agreed to in writing by both parties. Example: A $2,000 system would total $2,340 after fees ($390/month over 6 months for qualifying applicants). No hidden fees, early payoff penalties, or retroactive adjustments apply.