Welcome to Prudent Value Cars!

Where you get the safest used cars and affordable prices plus the lowest rates on bad credit loans in Toronto/ GTA since 1984. We do our own same day financing. No broker or middleman fees! Get the vehicle you want and the loan you need -- all on the same day!

Considerations When Auto Financing in Etobicoke

There are several things to think about and discuss with your auto lender before you sign on the dotted line. Many of these questions should be answered before you step foot into the dealership, like determining how much of a monthly payment you can afford. Other considerations can include the length of the loan—typically, auto financing loans extend over a span of 3 to 5 years.

It can be longer in some select cases, or shorter in others. You should consider trying to find a happy middle ground between financial comfort and interest rate savings. In general, the longer a term the loan is, the lower the monthly payment will be—but the more interest you will wind up paying over time. An important question to ask your lender is whether there is a prepayment penalty associated with the auto financing loan. Some lenders may charge you a fee to offset their lost interest income if you choose to pay off the loan early.

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Financing for People in Bankruptcies, Proposals and All Kinds of Credit.    Check Us Out!
  • Highest safety and certification standards
  • Zero down payment for qualified customers
  • New brakes and new all-season tires included
  • Free services to get best insurance rates
  • 30-day warranty on all mechanicals under normal usage
  • No broker or middle man fees
  • UCDA and CarProof History Reports
  • Same Day Financing on Approved Credit

Bad Credit Car Loan and Auto Financing Etobicoke, Ontario

Auto Loans Etobicoke

Prudent Value Cars doesn’t just provide automotive loans to people with bad credit histories. We go several steps further than our competition to help you repair your credit.

Prudent Value Cars serves customers from across Etobicoke, the GTA and surrounding areas. We are located just two minutes away from our loan centre, Prudent Financial Services.

Our interest rates, which are 5.75% to 9.9% plus fees, are the best in the financial industry which lends to people with bad credit. The rates depend on your job, income, and debt.

Prudent car loans can also help repair your credit. If you have any questions, call us. We’d be happy to help.

The Prudent way of rebuilding credit.

Prudent reports regularly to Equifax. You receive the highest credit rating which is I1 when you pay on time.

We encourage customers to tell us about anything which will adversely affect loan payments, for example, accident, sickness, death in family, changes in employment or terminations. Prudent has a history of working with its clients when bad things happen.We lower payment schedules and rewrite loans for example.

Major reasons for bad credit problems are defaults on pay day loans and paying only the minimum on credit cards.