Used Car Buying & Financing FAQ

How do I browse your inventory?

Each lot has its own online inventory. Shop Simi Valley (Ventura County) or El Monte (LA County). You can also call or text Tim at (805) 404-3873 and tell him what you are looking for.

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.

• Simi Valley: 1555 Simi Town Center Way, Suite 420, Simi Valley, CA 93065 · (805) 404-3873 · apolloauto-to.com
• El Monte: 10915 Garvey Ave, El Monte, CA 91733 · (626) 215-0440 · apolloauto-em.com

I saw a car online. How do I ask about it?

Call or text (805) 404-3873 with the vehicle name, or send Tim a message on our website. If the car is at El Monte, you can also call (626) 215-0440. He usually replies the same day.

Are there hidden fees or add-on charges?

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.

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, 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 — he'll 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.

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.

What warranty comes with a used car?

It depends on the vehicle. Every car includes an FTC Buyer's Guide that states whether it's sold as-is or with a warranty. Tim will explain what applies to the specific vehicle you're considering. You can preview buyer paperwork in our forms library.

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.