Family-owned · Simi Valley & El Monte, CA
Used Cars You Can Count On
Transparency · Reliability · Financing
Tim Harmantzis runs both Apollo Auto locations personally. If you're buying your first car, replacing a daily driver, or working through a credit situation — you deal with Tim directly. Honest pricing, no add-on fees, same-day contact.
We work with many lenders. Good credit, low scores, first-time buyers, and buyers rebuilding after repo or bankruptcy all get a fair look.
What drivers say
Trusted by local buyers
Recent Deliveries
A few of the vehicles we've recently helped Simi Valley and El Monte drivers get into.
Browse. Finance. Trade in. First-time buyer.
01
Browse inventory
Simi Valley at apolloauto-to.com · El Monte at apolloauto-em.com.
View both lots → 02Financing & bad credit
Rebuilding credit or first-time buyer? We explain your options in plain English before you commit.
Financing guide → 03Trade-in your car
Trade-ins welcome. they can help with your down payment. Ask Tim what yours is worth.
Trade-in tips → 04First-time buyer
Budget, paperwork, test drives. our buyer guides walk you through it before you visit.
First-car guide →Used car financing for all credit types
Reliable transportation should not be out of reach because of your credit history. Apollo Auto offers used car financing for buyers across the full credit spectrum. good credit, rebuilding credit, first-time buyers, bad credit, low credit scores, past repossession, and bankruptcy.
Tim and our team explain your options in plain English before you agree to anything. You will know your estimated monthly payment, interest rate, and total cost before you sign. Trade-ins are welcome at both Simi Valley and El Monte, and can reduce the amount you need to finance.
Ask about financing → Bad credit financing guide → Common financing questions → Buyer guides & documents →- Good or rebuilding credit
- First car or low credit score
- Past repossession or bankruptcy
- No credit history
- Transparent pricing, no add-on fees
- Trade-ins accepted at both lots
Questions buyers ask before they visit
What makes Apollo Auto different from a chain dealership?
Tim Harmantzis, the owner, works directly with buyers at both lots. No call centers, no rotating sales staff, no pressure tactics. He explains financing clearly, goes through paperwork in plain English, and is reachable by phone or text the same day. Pricing is transparent. no add-on fees at signing.
Can I get a used car loan with bad credit?
Yes. We work with buyers across the full credit spectrum. bad credit, no credit, first-time buyers, and those rebuilding after repossession or bankruptcy. Most applicants who work with us find a financing option that fits. Contact Tim before visiting and he can give you a realistic picture of what to expect.
How quickly can I get pre-approved?
Often the same day. Reach out with basic details about your situation and Tim can point you toward what you may qualify for before you visit. Bringing ID and proof of income on the day speeds things up significantly.
Do you take trade-ins?
Yes, at both Simi Valley and El Monte. Trade-in value can go toward your down payment, reducing what you need to finance. Bring the vehicle. and the title if you have it. to either lot for a free appraisal. See our trade-in guide for what affects value.
What documents do I need to buy a used car in California?
You'll need a valid driver's license or state ID, proof of insurance (required before you drive off), and proof of income if financing. If trading in, bring the title. Our full checklist covers everything.
Are there any hidden fees?
No. The price you agree to is the price you pay. There are no add-on fees, no surprise documentation charges, and no last-minute line items at signing. You can review redacted paperwork examples in our resources section before you visit.
Can I see the paperwork before I come in?
Yes. Our resources section includes redacted contract examples so you can understand exactly what you'll be signing. This is part of how we keep the buying process transparent and low-pressure.
What areas do you serve?
From Simi Valley: Thousand Oaks, Moorpark, Camarillo, Ventura, Chatsworth, and the San Fernando Valley. From El Monte: West Covina, Baldwin Park, Monterey Park, Temple City, Arcadia, Rosemead, and the San Gabriel Valley. Both locations see buyers from across Southern California.
Can I browse inventory before visiting?
Yes. Simi Valley at apolloauto-to.com, El Monte at apolloauto-em.com. Both listings are kept current. Message Tim about any specific vehicle and he can confirm availability, hold it for a test drive, or answer questions about it.
Is there a warranty on used cars?
Pre-owned vehicles are sold as-is, as is standard for independent used car dealers in California. Some vehicles may carry remaining manufacturer warranty. ask Tim about any specific car you're considering. We encourage buyers to read our inspection checklist and buyer guides before purchasing.
Expert used car buying advice
California
What to Bring When Buying a Used Car
Documents and prep for a smooth purchase day in California.
Financing
Bad Credit Used Car Financing
What matters when your score isn't great, and how to prepare before you apply.
Buyer's Guide
Used Car Inspection Checklist
A walk-around and test drive list before you sign anything.
First-Time Buyers
First-Time Used Car Buyer Guide
Budget, financing, and questions worth asking upfront.
About us
A local dealer who picks up the phone
Apollo Auto is owned and operated by Tim Harmantzis. not a corporate group, not a franchise. Tim works the lots in Simi Valley and El Monte, knows the inventory, and is directly reachable by phone, text, or the contact form on this page.
We carry pre-owned cars, trucks, and SUVs for buyers across Ventura County and Los Angeles County. The focus is straightforward: quality used vehicles at fair prices, with financing that works for real people, including first-time buyers and those rebuilding credit. Every buyer gets the same honest approach whether they shop online at www.ApolloAuto.US or walk onto either lot in person.
"Every car on our lot gets driven by our family first. If we wouldn't put our own kids in it, it doesn't go up for sale."