Frequently asked questions

The price on each listing is the vehicle price. On top of it you pay the dealer admin fee, HST and licensing. Each listing notes this under the price so there are no surprises at the desk.

Ask for an itemised quote on any vehicle before you visit.

Yes. Bring a valid driver's licence. Calling ahead means the vehicle is cleaned and parked out front when you arrive.

Talk to the team about holding a vehicle. Whether a deposit is needed, how long a hold lasts and whether the deposit is refundable is set by the dealership, so ask for it in writing.

In Ontario a vehicle needs a Safety Standards Certificate before it can be plated for the road. Ask whether a specific vehicle is sold certified. If a vehicle is sold "as is", Ontario rules require the dealer to tell you clearly and in writing.

Yes. Ask for the history report on any vehicle you are serious about. It shows reported accidents, registrations and liens where available.

A pre-purchase inspection is a reasonable request. Call to arrange a time so the vehicle is available.

Yes. Tell us the make, model, budget and must-haves with the car finder, and we'll get in touch when something fits.

Lenders look at more than your score: income, job time, down payment and the vehicle all count. We work with a range of credit situations, but approval is never guaranteed and the rate depends on your file.

Start a pre-approval to find out where you stand.

The quick callback request doesn't involve a credit check. A full credit application lets lenders check your credit report, which can show up as an inquiry. We'll tell you before anything is submitted to a lender.

That depends on your credit, the lender, the vehicle's age and the term. Payment estimates on this site are examples only. They are not an offer of credit.

Not always. Some approvals need one, some don't. A down payment lowers your monthly payment and total interest, and can help a borderline application.

• A valid driver's licence
• Proof of income, like recent pay stubs or a letter from your employer
• Proof of address, like a utility bill
• Sometimes a void cheque for payments

The lender may ask for more depending on your situation.

Most lenders allow it, but terms differ. Ask about prepayment before you sign so you know exactly what applies to your loan.

We look at the year, kilometres, condition, history and what similar vehicles are selling for right now. You can get a value online, and a quick in-person look confirms the final number.

Usually, yes. The existing loan is paid off as part of the deal. If you owe more than the vehicle is worth, the difference may be added to your new loan, subject to lender approval.

In Ontario, when you trade a vehicle in toward one bought from a dealer, HST is generally charged on the difference between the two. Your bill of sale will show the exact numbers.

Ask the team whether the dealership buys vehicles outright, and about any limits on age or condition. Either way, send us the details and we'll tell you what we can do.

• The vehicle permit (ownership)
• All keys and fobs
• Loan or lease payout details, if any
• Service records, if you have them

Some vehicles still have manufacturer coverage left, so ask about any specific vehicle. Extended protection plans are also available. See warranty & protection.

It depends on the plan: some cover the powertrain only, others most mechanical and electrical parts. Read the coverage list, deductible and claim process before you choose. We'll walk you through it.

In Ontario there is no automatic cooling-off period for a vehicle bought in person at a dealership. Different rules can apply to vehicles bought at a distance and delivered. OMVIC.ca explains your rights. Ask the team about any return or exchange policy.

Zoom Auto is at 4690 Kingston Rd, Scarborough, Ontario, M1E 2P9. Our hours are on the contact page, along with directions.

Walk-ins are welcome. An appointment means the vehicle you want is ready and someone is free to help you straight away.

The online inventory is updated often, but vehicles sell quickly. Call 416-726-8179 before you visit and we'll confirm it's on the lot.

Ask the team whether delivery is available, how far, and at what cost.

• The dealer admin fee
• HST (13% in Ontario)
• Licensing: ServiceOntario fees for the plate and the vehicle permit

All of it is itemised on the bill of sale.

Ask the team whether registration at ServiceOntario is handled for you, or whether you transfer your own plates.

Yes. Ontario requires insurance before you drive. Call your insurer with the vehicle's VIN (it's on every listing) and have proof ready on delivery day.

A bill of sale listing the vehicle, price, fees, taxes, any trade-in and any disclosures about the vehicle's history. If you finance, you'll also sign the lender's agreement. Take your time and ask about anything unclear.

Inspections, taxes and registration differ by province. Ask the team how an out-of-province purchase works before you buy.