• Superior Pre-owned Vehicles for People with bad credit in Toronto / GTA
  • Bankrupt? Proposal? Bad Credit? Apply today for approval.
  • PVC offers the lowest rates for bad credit used car loans in Toronto/GTA.

Welcome to Prudent Value Cars


Latest inventory

Click here to see our latest inventory.  Don’t see the vehicle you want?  We can likely find it for you!

  • Highest safety standards
  • Buy and 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
  • Inhouse Financing- No Broker Fees
  • 30-Day Warranty On Mechanicals

“I was dropped off in the afternoon and they arranged a car loan, insurance and sold me a car. I left there driving my new car home


Customer, Prudent Value Cars

“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
Gary Stern

President, Prudent Value Cars

Prudent Value Cars

Used Car Dealer in Toronto and GTA

Superior pre-owned cars for people with bad credit

Welcome to Prudent Value Cars where you get the vehicle you want and the loan you need — all on the same day. We offer in-house financing at 5.75% to 9.9% interest plus fees. These rates are the lowest in the financial industry which lends to people with bankruptcies, proposals and bad credit. The rates depend on your job, income, and debt.

PVC vehicles offer superior value: lower depreciation, lower km, and the highest used-car safety testing in Ontario. You pay more for a PVC car. But you get a safer car � and save on your maintenance costs!

PVC’s loan services go further than many of our competitors. All our loans are open. Repay early and get a rebate on your interest. Avoid costly NSF payments: If you have an emergency, call us, we`ll hold your payment free of charge for up to two weeks. We report all payments to the credit bureau so you can start to rehabilitate your credit history.


PVC proudly serves the GTA including Toronto, Brampton, Etobicoke, Mississauga, North York and Scarborough. Also: Acton, Aurora, Ajax, Barrie, Burlington, Cambridge, Guelph, Hamilton, Kitchener, Maple, Markham, Milton, Oakville, Oshawa, Pickering, Richmond Hill, Thornhill, Woodbridge and many others.