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!

Obtaining a Vehicle Loan in Scarborough

There are several factors that come into play when applying for car financing. The lender or bank will want to verify that your credit is at or above a particular threshold, and they will want to check on your employment. If you have recently started a new job, it may help to wait a little bit of time before applying for car financing. This way, you will have a more established employment history, which may be received more favorably for loan companies.

If you have bad credit, try not to worry too much. Not all car dealerships will deal with bad credit car loans, but others do—in fact, some dealerships cater specifically to those with poor credit. If your credit is less than perfect, you may want to consider contacting one of these dealerships and explaining your situation. You may be able to receive more detailed car financing information based on your specific criteria over the phone, or in a brief in-person meeting at the dealership.

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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

Bed Credit Car Loan and Auto Financing Scarborough, Ontario

Auto Loans Scarborough

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 Scarborough, 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.