• Vehicle
• Driver’s License
• Original Ownership (and articles of incorporation if vehicle in company’s name)
• Insurance
• Pay stub (if applicable)
• Proof of address (Utility bill or any official mail with address and current date)
• Void cheque (or pre-authorized payment form)
• Spare key (if available)

Using your vehicle as collateral you can borrow up to 50% of the Black Book rough value to $25,000.

If we have received all the required information and you meet our criteria you can receive the loan on the same day that we receive your application.

Yes, a co-signer will help you get a loan if you do not have a vehicle to use for a Title Loan, however, the co-signor must own a vehicle that they will use that meets the criteria for a Title Loan. Also, your co-signor can help you get loan if they have other collateral to use as security.

We can still give a Title Loan using a vehicle registered in your company’s name if you own the company and you can prove it.

Fast Action Finance believes that everybody deserves a second chance. Whether you have bad credit, are in a bankruptcy or consumer’s proposal we will still consider lending against the equity in your vehicle or asset.

A Vehicle Title Loan is a loan using a debt free vehicle as collateral. The vehicle must be paid in full (no money owed on it) and cannot be leased.

We will contact you on the same day you send in your application provided that we receive it during normal business hours. After hours and weekend applications will be responded to on the first business day following the application. We will contact you on the phone numbers and/or email address that you provide in your application.

A vehicle acceptable to use as collateral for a Title Loan must be debt free (no money owed on it), not be leased, be nine years old or newer, be in your name or your company’s name, and have kilometers no higher than is expected based on its year of manufacture. In any case it must be less than 200,000 KMs. There are some exceptions to this so please call if unsure.

If the vehicle is not in your name, we can still lend if the person whom the vehicle is registered to co-signs the loan with you. The “vehicle portion” of the registration determines whose name the vehicle is registered to.

Yes, we lend to those undischarged from bankruptcy and in a consumer’s proposal. Even if you went bankrupt yesterday, we can even lend to you today, provided you have a debt free vehicle or other asset with value.

Yes, we lend to those in a Consumers Proposal if they have a vehicle that would qualify for a Title Loan.

Motorcycle Storage Loans are loans where the borrower stores their paid in full Motorcycle, Snowmobile or Watercraft with us for the term of the loan. The motorcycle, etc. must be valued at an amount higher than the amount being borrowed. The motorcycle, etc. will be stored in our very secure warehouse. We also lend against any classic cars or portable machinery that can be left in our warehouse during the term of the loan. We invite any potential customer to come and inspect our storage facility beforehand. For peace of mind we allow borrowers to visit and inspect their motorcycle, etc. at any reasonable time while it is in our possession. We do not do credit checks and lend no matter what your current financial or employment status is. The whole process takes less than 1/2 hour and you leave with the cash in your hand.

Yes, we also accept Snowmobiles, Watercraft, Classic Cars, and Portable Machinery that can be stored in our warehouse for collateral during the term of the loan. If you are unsure about your collateral please call to inquire. We invite any potential customer to come and inspect our storage facility beforehand. For peace of mind we allow borrowers to visit and inspect their collateral at any reasonable time while it is in our possession.

We also lend against an irrevocable pay order from your lawyer if you have sold your house and there is a firm closing date. Call us at 416-239-2906 or 1-877-346-2274 for details.

Be prepared to provide details of your asset and how much you think it is worth.

We will need to speak first and if approved you will need to visit us at our Toronto office.

A Vehicle Purchase Loan is where we finance your purchase of a vehicle. The purchase can be from a private seller or dealer. We lend up to 50% of the Black Book rough value to a maximum of $10,000.

When a lien is registered against your vehicle, the Ministry of Consumer and Business Services will make a note about this.

Fast Action Finance, started in 1997, is one of the longest-established Title Loan companies serving Ontario and has the highest loan approval rate in the industry. We do more than just Title Loans; we also provide Collateral Loans and Motorcycle Storage Loans to customers who either need the funds very quickly or are not acceptable to traditional lenders. For Title Loans, the whole loan process is very quick, and the customer will typically walk out of our office within 30 minutes with cash in hand.

If you live outside the GTA or cannot come to our office, you can complete the loan process from the comfort of your home/work by email or fax. You must take pictures of your vehicle and the basic documents, such as your driver’s license, insurance, ownership, etc., and send them to us. A smartphone (iPhone, Android, Blackberry, etc.) can take pictures of the documents. Loans done electronically can typically be completed within the hour.

Bad credit will not automatically prevent us from giving you a loan. Therefore, if you are in bankruptcy, have a consumer proposal or need credit counselling, you may still be eligible for a loan from us. Fill out our no-obligation online application, and we will do our best to see how we can help you. We consider ourselves a very entrepreneurial loan company, look at lending from a different angle than other lenders, and try our best to give you the loan you need.

We have been in Southern Etobicoke for over 26 years and have helped many consumers get loans that they could not get from other lending sources.