Welcome to Prudent Value Cars!

Where you get the safest used cars and affordable prices plus the lowest rates on bad credit loans in North York/ 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!

How to Finance Your Used Car in North York

If you are hoping to buy a used car in the near future, you are probably trying to determine what you can afford and how you will pay for it. There are three basic ways to pay for used cars.

Cash. This is the simplest and easiest answer. If you can find a car you can completely afford to pay with cash you are in luck! Financing through the dealership. If you have a good credit score and your dealer is offering a good interest rate, this could be the route to take.

Financing through an independent source. You don’t have to get financing through your dealership, you can also get it from an online lender, credit union or bank. This may save you money in the long run and gives you a lot of control over the process. If you finance used cars through an independent source you can keep negotiations pretty simple and also shop for competitive interest rates before you ever step foot onto 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

North York Used Cars For Sale

Toyota, Honda, Ford, Dodge, Nissan for sale in North York

Proudly serving the Greater Toronto Area including Toronto, Brampton, Etobicoke, Hamilton, Mississauga, North York and Scarborough, Ontario.

Why a Prudent Car?

Highest Safety Standards New All-Season Tires Included New Brakes Included Buy & Drive The Same Day UCDA Car History Reports CarProof Vehicle History Report Low Kilometres Car Insurance Services Open Loans: Repay Early
$0 Down For Qualified Buyers Payments To Fit Your Budget 30-Day Warranty On Mechanicals Search Our Inventory
"I tell our mechanic I want every vehicle we sell to be good enough and safe enough for his mother to drive."
- Gary Stern, President, PVC