Action Auto Sales and Finane

What Action Auto Sales and Finane does

Action Auto Sales and Finance LLC is an independent used car dealership headquartered at 273 South State St, Orem, Utah, with a second lot in Lehi and nationwide delivery capability. Founded circa 2014 and operating as an LLC, the company maintains an inventory of 700+ vehicles spanning more than 35 brands across price tiers from under $5,000 to over $70,000, including luxury marques such as Lexus, BMW, Mercedes-Benz, and Audi. The business serves individual retail buyers in Utah County and across the United States, with particular focus on financing-needed and out-of-state customers supported by its Direct Credit Union Authorized Dealer status and in-house loan origination. It has been recognized six times on the UV50 fastest-growing companies list (2019–2025) and in 2026 received the IADAU Quality Dealer of the Year award and a 3rd best-in-state Utah ranking.

The company's core offering combines vehicle sales with ancillary revenue from financing interest, $398 documentation and processing fees, and extended warranty/service contracts. Pricing is set per vehicle with optional 84-month financing at a sample 6.49% APR for qualified buyers, and a 5-day/500-mile exchange policy with a $100–$150 reconditioning fee reduces post-purchase risk. Technology is functional rather than differentiated: a dealer management system with online inventory filtering, an online credit application, a Car Finder search tool, a video test drive feature, and 24/7 human-agent chat support the buying process. Partnerships with Carketa (vehicle inspections) and Credit Unions (financing) underpin the trust and credit components of the value proposition.

The go-to-market motion is sales-led and omnichannel, pairing physical dealership retail with an e-commerce storefront that enables remote purchases, online credit applications, and ship-to-door delivery. Marketing is distributed across the company website, KSL Classifieds, TikTok (@actionautoutah), Google reviews, and third-party automotive marketplaces (CarGurus, Cars.com, Carfax). The company is privately held with no disclosed external investors, no parent entity, and no publicly reported financials, operating as a founder/owner-operated regional independent dealer.

Name

Action Auto Sales and Finane

Legal name

Action Auto Sales and Finance LLC

Website

https://actionautoutah.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Action Auto Sales and Finance LLC is an independent used car dealership in Utah County, Utah, operating two lots (Orem HQ and Lehi) with 700+ vehicles across 35+ brands, in-house financing, and nationwide delivery for retail consumers.

Ownership category

akta.pro rank

Product category

Used Auto Dealership

NAICS

Used Car Dealers (441120), Automobile Dealers (4411)

SIC

Retail-Auto Dealers & Gasoline Stations (5500)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD), Auto Refinance (FSAKADAB)

Keywords

• Used car sales
• Pre-owned vehicles
• Vehicle financing
• Auto dealership
• Trade-in appraisal

Headquarters

HQ city

Lehi

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Vehicle Sales: Primary revenue from selling pre-owned vehicles to individual consumers. Vehicles range from economy to luxury segments with prices from under $5,000 to over $70,000.
2. Financing and Interest: Revenue from in-house financing options offered to customers, including interest charges on installment loans. The company is a Direct Credit Union Authorized Dealer.
3. Document and Processing Fees: Fees charged for documentation, processing, and administration of vehicle purchases, including $398 doc fees.
4. Extended Warranties and Service Contracts: Sale of extended warranty plans and optional service contracts for vehicles.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Action Auto Sales and Finance LLC is a used vehicle dealership that retails over 700 pre-owned cars across 35+ brands from physical lots in Lehi and Orem, Utah, with nationwide home delivery. The company bundles vehicle sales with in-house and credit union auto financing, trade-in appraisals, Carketa vehicle inspection reports, a 5-day/500-mile exchange policy, and a 24/7 online chat sales channel.

Product overview

Action Auto Sales and Finance LLC operates as a used car dealership offering a curated inventory of over 700 pre-owned vehicles across 38+ brands including Toyota, Honda, Ford, BMW, Mercedes-Benz, and Lexus. The company provides a bundled offering combining vehicle sales with integrated financing services, trade-in appraisals, and delivery options. Additional services include video test drives and a 5-day exchange policy. The company operates two physical locations in Utah (Lehi and Orem) with nationwide shipping capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Used Vehicle Sales

Quantifiable outcome

• 5-day/500-mile exchange policy reduces buyer risk on vehicle purchases
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• CarketacoreTechnology or IntegrationCarketa provides comprehensive vehicle inspection reports and condition reports for Action Auto's inventory. This partnership enables transparent vehicle history and condition disclosure to customers, building trust in the pre-owned vehicle purchasing process.
• Credit UnionscoreStrategic or Co-development PartnerAction Auto is a Direct Credit Union Authorized Dealer, enabling them to provide financing options directly through credit unions for qualified buyers.
• CarFaxminorGTM or Marketing PartnerVehicle history reports provided through CarFax for inventory transparency. Listed on CarFax dealer platform for customer access to vehicle history.
• GoogleminorGTM or Marketing PartnerGoogle business profile for local search visibility and Google reviews for customer testimonials.
• KSL ClassifiedsminorChannel Partner/ Reseller/ DistributorUtah's primary classifieds platform where Action Auto advertises vehicle inventory for local market reach.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Vroom: Vroom is an online-first used-car retailer with home delivery and an ecommerce-led buying experience that closely mirrors Action Auto's online sales flow and broad inventory model.
• DriveTime: DriveTime is a used-vehicle retailer specializing in subprime and credit-challenged financing through captive lenders — the closest analog to Action Auto's in-house and credit-union-based financing of buyers with limited credit.
• Carvana: Carvana sells used vehicles online with home delivery, vending-machine pickup, and integrated financing — directly comparable to Action Auto's online inventory, credit application, and nationwide shipping stack.
• CarMax: CarMax is the largest used-vehicle retailer in the U.S., operating superstores with integrated financing, reconditioning, and a no-haggle pricing model. It is the most directly comparable peer for Action Auto's sales-finance model, though at vastly greater scale.

Broad incumbents

• AutoNation: AutoNation is one of the largest U.S. automotive retailers, selling new and used vehicles with integrated F&I. It overlaps with Action Auto on used vehicle retail and finance, though it operates franchised new-vehicle stores nationwide.
• Lithia Motors / Driveway: Lithia Motors is a national franchised dealer group with a growing used-vehicle and online buying (Driveway) channel. It competes with Action Auto across both the local lot and online purchase journeys for in-market shoppers.

Others

• CarGurus: CarGurus is an online marketplace where Action Auto lists inventory; it does not sell cars itself but channels in-market shoppers to dealers like Action Auto and benchmark's pricing/transparency practices.
• Cars.com: Cars.com is an online automotive marketplace that surfaces Action Auto's inventory to in-market buyers. It is an indirect channel partner rather than a direct retail competitor but shapes buyer expectations on pricing transparency.
• Carfax: Carfax provides vehicle history reports and a dealer listing platform used by Action Auto for inventory transparency and lead generation. It is an ecosystem/data vendor rather than a competing dealer.

Regional players

• Ken Garff Automotive Group: Ken Garff is a large regional dealership group headquartered in Utah, operating multiple rooftops in the Salt Lake / Utah Valley corridor. It is the most obvious regional competitor for Action Auto's Utah County customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• TikToktiktok.com/@actionautoutah?lang=en
• LinkedInlinkedin.com/company/action-auto-sales-and-finance-llc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Action Auto Sales and Finane