Do I have to come in to get the loan, can I do it by fax or email?

In most cases, the process can be completed electronically through an eLoan. You only need to come in to finalize the application and receive your funds once approved.

How much can I borrow using my vehicle?

You can borrow up to 50% of the Black Book rough value of your vehicle, up to a maximum of $25,000.

How do I apply for a loan?

You can apply online or by calling one of our loan professionals.

Once I have been approved, how long does it take to get the money?

After approval, you can receive your money within an hour if all paperwork is completed.

Will a co-signer help me get a loan?

Yes, a co-signer can assist in obtaining a loan if they own a vehicle that meets the requirements.

What if my credit is bad?

Fast Action Finance considers lending against the equity in your vehicle even if you have bad credit.

What is a Vehicle Title Loan?

A Vehicle Title Loan uses a debt-free vehicle as collateral for the loan.

How long can I expect to wait for a reply to my online application?

You will be contacted on the same day if your application is submitted during normal business hours.

What type of vehicle qualifies for a Title Loan?

The vehicle must be paid off, less than nine years old, and have less than 200,000 kilometers.

What if the vehicle is in my company’s name?

You can still obtain a Title Loan with a vehicle registered in your company's name if you can prove ownership.

Can I get a loan if I am undischarged from bankruptcy?

Yes, you can still get a loan if you have a debt-free vehicle.

What is a Motorcycle Storage Loan?

This loan allows you to store your paid-in-full motorcycle, snowmobile, or watercraft as collateral.

What types of loans are available?

We provide various types of loans including paperless loans, no credit check loans, and bad credit loans.

How can I manage my budget effectively?

You can manage your budget by understanding your household debt and making informed spending decisions. We offer resources on budgeting.

What if I need a loan but have no proof of income?

We have information available regarding personal loans that can be accessed without needing to provide proof of income.

What holidays do you observe for your client care hours?

Client care hours are adjusted during holidays. Please check our website for specific holiday hours.

What are the standard fees for loans?

There is a one-time processing fee of $5. The interest rates are 2% per month for 12-month loans (24% APR) and 4% per month for 3-month loans (48% APR). A monthly storage fee applies.

How do I get my items back after paying the loan?

To reclaim your goods, you must make a full payment of the borrowed amount plus any fees. Bring your ticket and a government-issued ID to McTamney's.

What happens if I am late on my payment?

If payments are overdue, additional fees will apply, including 2% extra interest per month and a late notice fee of $7. Failure to pay may result in contract default.

Can I renew my loan for more time?

Yes, you can renew your loan by paying the interest and storage fees due, allowing you extra time to make a full payment.

How much cash can I get?

The amount you can borrow depends on the value of the item used as collateral. Speak with a jewelry associate for more details.

What types of items do you accept for pawn or cash?

We accept a wide range of items including gold and silver jewelry, loose diamonds (over 0.25 ct), watches (Cartier, Rolex), and various other valuables.

Do I need to make an appointment to visit?

No appointment is necessary. You can walk in any time during our business hours.

What are your hours of operation?

We are currently closed and offer no specific hours of operation at this moment.

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