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!

Buying Your First Car

If you are in the market for your first vehicle, you may be very excited—and possibly a little overwhelmed—by all of the different choices you have to make. Are you looking for fast and sporty, roomy enough for an expanding family, or a simple point A to point B ride? What kinds of vehicle features are most important to you? No matter what your budget may be, car loans are available for most new and used vehicles sold through a dealership.

This is also sometimes true even if your credit is not yet fully established, or you have a less than stellar credit score. Typically, car loans in Hamilton can be arranged for you by the dealership where you purchase the car. Reputable dealerships often partner with multiple banks or other lenders in order to get you approved faster and more easily, or they may even finance the loan themselves.

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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 Hamilton, Ontario

Auto Loans Hamilton

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 Hamilton, 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.