Fast Action Finance lends $1,000 to $25,000 at 19% to 25% APR over 6 to 30 months against vehicles their owners hold outright, in Ontario only. No liens, full insurance, reasonable kilometres and good condition are the published tests, with the car assessed on its own merits. Ownership papers, a driver's licence and insurance make the file, plus a pay stub where applicable.
Good to know: Secured against a vehicle you keep driving. Vehicle must be 8 years old or newer, paid off and in your name or your company's. Typically up to 50% of the vehicle's Canadian Black Book rough value, less in areas distant from the GTA. Lending in Ontario. Established 1997.
See if you qualify
Four questions checked against Fast Action Finance's published criteria, per product. No application started.
Answer the questions to check Fast Action Finance's published criteria
Educational check against published criteria. Not an approval or offer.
Eligibility and documents
Fast Action Finance lends against the vehicle, and the vehicle must be owned outright: no liens, full insurance, reasonable kilometres.
Who qualifies
Vehicle
Owned outright, no liens, in your name or your company's
Condition
Good condition, reasonable kilometres, fully insured
Stability
The borrower demonstrates stability
Where it lends
Ontario
What you need to apply
The vehicle
A driver's licence
Original ownership, plus articles of incorporation if company-owned
Insurance
A pay stub, if applicable
The vehicle is the application
Liens end it
A vehicle still carrying financing cannot secure the loan. Ownership has to be outright and free of liens, registered to you or to a company you own.
The car gets assessed, not just the file
Condition, kilometres and insurance are all published requirements. The asset is judged on its own merits, and the pay stub enters the file only if applicable.
Head office98 Judge Road, Toronto, Ontario, M8Z 5B4
Websitefastaction.ca
Support and hours
Mon - Fri, 9AM - 5PM
Live Chat available 24 hours
ChannelsPhone Support, Email Support, Live Chat, FAQ's, Blog
Borrower reviews
3 reviews from borrowers who used Fast Action Finance.
Each is submitted by a verified borrower and moderated for authenticity;
it renders as written, positive or not, and lenders cannot remove it.
★★★★★
Good service
The guys at Fast Action are really good at what they do. They explained everything to me clearly and I felt very confident giving them my business. Really good service.
Thomas
★★★★★
Friendly staff
The folks working at Fast Action are super friendly. I got really good rates and was happy with my experience.
Kelly
★★★★★
Professional & Personal service
I needed a quick bridge loan for an emergency. I'd heard about same-day car loans, but never used one. When I saw the reviews here, I called Fast Action and I'm really glad I did. The cash I needed was in my account by 4 p.m. the same day. Samantha is an absolute pleasure to deal with. I got fast, professional service that also feels very personal. Thank you again for making this all so easy! (via Google reviews)
Tom
Fast Action Finance · $1,000 - $25,000 · 2 products · funding in 48 hoursApply Now
Fast Action Finance Review 2026
