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Ten sample lease offers with the due-at-signing figure printed on the card. No asterisk hunting.
Understand the lease
Our lease vs buy page runs the same car both ways over 36 months so you can see the gap.
About Apex
We hand over leases across Hudson County and most of Essex and Bergen, usually within 48 hours.
Founded in Jersey City, 2017
Apex exists because the worst part of getting a car was never the car. We took the finance desk out of the showroom and brought it to your kitchen table.
The short version
Tomas Iyer spent eleven years on the finance desk of a large Bergen County dealer group. He watched the same thing happen every Saturday: a customer would arrive having already decided which car they wanted, and then spend four hours in a chair while the desk worked out what they would tolerate.
In 2017 he rented a small office on Marin Boulevard with the idea that the paperwork did not need a showroom at all. The first year was eleven leases, mostly friends of friends in Downtown Jersey City. The second was ninety. We are now six people and have delivered 7,412 leases across Hudson, Essex and Bergen counties.
What has not changed is the structure. We are not tied to one manufacturer, so we have no reason to push a particular car. We work a panel of fourteen lenders, print the whole number, and deliver to your door with the plates already fitted. If the answer is that you should buy rather than lease, we say so and lose the sale.
Not a mission statement. These are the things we will apologise for getting wrong.
If leasing is wrong for you, or the car is too long for your block, you hear it on the first call rather than the fourth.
Monthly, term, mileage, due at signing and the fee schedule on one page. Asterisks are a tell, not a technique.
Registration, title, plates, insurance certificates and the DMV queue are our problem. That is most of what you are paying us for.
Six months before your lease ends, and again at three. Nobody should discover their options a week before hand-back.
Nine years of leasing in Hudson County, in four numbers.
Figures are sample content for this demo site.
The whole company
Six people. You will deal with two or three of them, and the same ones again when your lease ends.
Tomas IyerFounder and lease directorSpent eleven years on the finance desk of a large Bergen County dealer group before deciding the paperwork could be done in someone's kitchen instead. Handles every business fleet account personally.
Founded Apex in 2017
Renata DuarteHead of lease structuringBuilds the numbers behind every offer on this site. If you have asked us why a 39-month term beats a 36 on a particular truck, the answer came from Renata's spreadsheet.
Joined 2018
Andre WhitfieldDelivery and handover leadDrives the cars to your door, fits the plates and runs the ten-minute walkthrough. Has measured more Weehawken garage ramps than he would like to admit.
Joined 2020
Ilana RozenbergCredit and approvalsWorks the fourteen-lender panel and knows which bank is realistic for which credit profile. Runs the soft check and tells you plainly what is achievable before anything is submitted.
Joined 2021
Marisol PeñaCustomer care and lease endBooks the 90-day wear inspections, chases the DMV when plates are slow and handles lease-end hand-backs. Walkthroughs available in Spanish.
Joined 2022
Devin ChoEV and charging specialistCoordinates home charger site checks with our licensed electrician partner and keeps track of which buildings in Hudson County have working Level 2 chargers.
Joined 2024
We built Apex because the worst part of getting a car was never the car. It was the four hours in a chair while somebody worked out what you would tolerate.
What our drivers say
I asked three places for a payment and only Apex gave me the due-at-signing number without being chased. The car arrived on a Thursday morning with the plates already on it.
Apex is a licensed New Jersey motor vehicle dealer. We are not a lender; we arrange leases with a panel of banks and captive finance companies and are paid by them.
Ten minutes from the Grove Street PATH. Coffee is decent, the chairs are comfortable and nobody will keep you for four hours.
Soft credit check first. Offers are samples, subject to credit approval.
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