What is the difference between Simi Valley and El Monte?
They are two separate locations with different phone numbers, but share the same inventory. If you see a car you're interested in, let Tim know which location is more convenient and we'll do our best to have it there for you.
No. We use transparent pricing with no add-on or hidden fees. You will know what you are paying before you sign anything.
Can out-of-area buyers purchase from Apollo Auto?
Yes. Many buyers drive in from across Ventura County, LA County, and beyond. Call first to confirm the vehicle is available and we'll help you plan your visit to Simi Valley or El Monte.
Used car financing & trade-ins
Do you offer financing for bad credit?
Yes. We work with good credit, low scores, first-time buyers, past repossession, bankruptcy, and more. Most customers who apply with us get financed. Tim explains your options in plain English before you commit.
Can first-time car buyers get financed?
Yes. First-time buyers are welcome. We will help you understand what you may qualify for and what your monthly payment could look like.
Can I get pre-approved before I visit?
Yes. You can submit a credit application online before you visit. No obligation and no pressure. If you're making a long drive from Ventura or LA County, knowing your financing details ahead of time means you arrive with a clear picture: estimated monthly payment, rate, and what you can spend. No surprises at the table. You can also call or message Tim directly and he will walk you through your options in plain English before you commit to anything.
How long does used car financing approval take?
Often the same day once we have your information. Bring ID and proof of income if you're financing. See our guide on what to bring when buying a used car.
Can I bring my own financing or bank loan?
In many cases, yes. Talk to Tim about your pre-approval or credit union loan before you visit so we can coordinate paperwork correctly.
Do you report to credit bureaus?
When you finance through one of our lending partners, on-time payments may help build your credit over time. Ask Tim which program you qualify for.
Do you accept trade-ins?
Yes. Trade-ins are welcome and can help with your down payment. Mention your current vehicle when you call, text, or message us.
Extended warranties
Does Apollo Auto sell extended warranties?
Yes. Tim sells extended warranties for many used cars already on the road, including cars you did not buy from Apollo Auto. That is separate from the as-is or dealer warranty on the Buyer's Guide when you buy a car from us.
Do I have to buy a car from Apollo Auto to get a warranty?
No. We quote many cars already on the road. It depends on the year, miles, and condition. Tim will tell you straight if we can do it.
The Buyer's Guide on the window says if the car is sold as-is or with a dealer warranty. Some cars still have factory coverage left. Tim will tell you what applies to the car you are looking at. You can also preview paperwork in our forms library.
Visiting our used car lots
How do I schedule a visit or test drive?
Call or text the location you want to visit, or message Tim online. Tell us which vehicle interests you and when works for you.
What should I bring when I am ready to buy?
Bring a valid driver's license. If you are financing, bring proof of income or employment and proof of residence. Insurance info helps if you have it. Not sure what applies to your situation? Call Tim first.
Do I have to visit the lot in person?
You can start online or by phone. Most buyers come in for a test drive and to sign paperwork, but reach out first and we will work out what makes sense for you.
Do you do buy here pay here?
No. Apollo Auto is not a buy here pay here lot, and we do not carry the loan ourselves. Your application goes to real banks and credit unions, so you make payments to a normal lender and can build credit history. We finance all credit types, and you can apply with an SSN or an ITIN.