Mon - Fri 9:00am - 5:00pm
Sat 9:00am - 12:00pm
Sun closed
Mon - Fri 9:00am - 9:00pm
Sat 9:00am - 6:00pm
Sun closed
Mon - Fri 9:00am - 9:00pm
Sat 9:00am - 6:00pm
Sun closed
549 Woodward Ave, Hamilton, ON, L8H6P2

Finance Department

Welcome to Our Financing Department

Welcome to Action Auto Sales Inc.'s Finance Department, your loan and lease resource. We're eager to provide financing for your new inventory, or we can assist in financing. Check out our online loan calculator for an instant loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for a loan. No credit, no problem! We will work with you to secure a no credit loan if your situation demands it. Action Auto Sales Inc. has strong relationships and is committed to finding you the perfect loan company to suit your finance needs.

Low interest loans are available for customers with existing loans. We can help you refinance your loan or adjust the term of the contract. You're just a step away from approved financing!


For businesses, leasing may have significant financial benefits:

  • Leasing a commercial / business vehicle is less capital-intensive than purchasing, so if a business has constraints on its capital, it can grow more rapidly by leasing property than it could by purchasing the property outright.
  • Leasing a commercial / business vehicle may provide more flexibility to a business which expects to grow or move in the relatively short term, it gives a lessee more flexibly usually to renew the lease at the end of its term to help with the cost of the buy back. This will allow the lessee continue to use the vehicle as a expense.
  • Depreciation of capital assets has different tax and financial reporting treatment from ordinary business expenses. Lease payments on a commercial / business vehicle are considered expenses, which can be set off against revenue when calculating taxable profit at the end of the relevant tax accounting period.
  • When an automobile is used for business purposes, from an income tax perspective it is most beneficial if the vehicle is used 50% or more for business and has a cost not exceeding $30,000. When you lease, the deduction in respect of lease payments is restricted to parallel a similar dollar limit if the car were purchased. The limit on deductible leasing costs is $800.00 per month plus applicable federal and provincial sales taxes for leases entered into after 2000. A separate restriction prorates deductible lease costs where the value of the vehicle exceeds the aforementioned capital cost ceiling. If you are making personal use of a vehicle acquired for business purposes the taxable benefit relating to this personal portion is $.22 per kilometer. The government reviews rates and limits annually, and announces any changes prior to the end of the calendar year. It's not uncommon to make an up-front, down payment on the lease to lower the monthly payments, end of lease buy back, or both. Revenue Canada will normally consider such payment to be part of the normal lease charge in the year paid and therefore may be subject to a limited expense write-off.
  • Get started by browsing through our current inventory of Used Cargo Vans and Trucks and when you think you've found the Cargo Van or Truck you're looking for you can fill out our easy on-line credit application and find out if you qualify. If you have any questions or concerns please call us at 905-548-6608 or contact us by email and we'll provide you with an answer to any of your leasing questions

Finance Form

Contact Information

Address Information

Privacy Statement

As a valued customer, we want to ensure that your private information is kept private and only shared with those companies that are authorized by yourself or that are allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of non-public personal information. For example, if we sell or lease you a vehicle—extending credit to you at your request—we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by provincial or federal agencies, such as the Department of Motor Vehicles or the Canada Revenue Agency. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with provincial and federal law. We restrict access to non-public personal information about you to those employees and outside contractors who need to know the information to provide goods or services to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your non-public personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), to respond to court orders and legal investigations, or to report to credit bureaus.

B) For the purposes of processing a sale or lease transaction at your request or authorization, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract, or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers, we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose for which it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company that we control, or any company under common control with us.
I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

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Your privacy is important to us.

Action Auto Sales Inc. takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.