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!

Bad Credit? No Problem We Offer Bad Credit Car Loans in North York

Sometimes, very good people with very good intentions can wind up with very bad credit. This can happen for a variety of reasons. It sure can get depressing to hear “no” or “denied” over and over again from banks, credit cards, and other businesses. If you need a new vehicle, you may not want to even bother trying to apply for a loan to finance it—or maybe you have already tried, and been turned away.

Whatever the case, know this: some vehicle dealerships not only are understanding of your situation, but cater to individuals who are suffering with a poor credit score. Bad credit car loans can also be a great way to help reestablish your credit, as on-time payments report favorably to the credit bureaus every month. Just remember once you are approved that it is very important to stay on top of your monthly payment.

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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 North York, Ontario

Auto Loans North York

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 North York, 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.