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!

Ready to Buy a New Vehicle?

When it comes time to purchase a car, there are some tips and tricks that may make the process easier and more streamlined for you. First, you should to check your credit score to see how the finance company or lender is going to view your creditworthiness. This is an important factor in determining whether you will be approved for car loans in Toronto, and if you are, what interest rate you will receive.

Even a modest change in interest rate can be significant over the term of the loan, so it is vital that you boost your credit score as high as you can before applying for car loans. Once approved, it is up to you to keep your account in good standing. It’s important to stay on top of monthly payments for any car loans, as failure to pay on time could result in late fees or negative reporting to the credit bureaus.

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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 Loans Toronto, Ontario

Auto Loans Toronto, Ontario

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 Toronto, 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.