• 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



We are overstocked with vehicles.  Our older inventory MUST GO.  We are selling older vehicles AT COST.  This sale ends October 31, 2019.  Act quickly to take advantage of the best selection.  Need financing for your vehicle?  We can help there too with competitive rates and fast approval.  Call 416.223.2300 Ext.233 Andrea or Ext.238 Sanjay for details but do it soon while supplies last!


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.

APR* – 15.75% – 24.75%

Fine Print

Here is the fine print for your Prudent loan. *Some conditions apply

Min and Max period for a Prudent loan repayment
Answer: 1-5 years

What is the maximum annual percentage rate (APR), which includes the interest rate plus fees and other costs for a year?
Answer: 5.75% plus annual fee (ranges from 10% -19%) APR* – 15.75% – 24.75% maximum (effective rate will vary).

A representative example of a Prudent loan – How is it broken down with all applicable fees
A typical 1000.00 loan, paid off over a 12 month period borrows an amount of 1020.00 which includes the $20 credit application fee. Total cost is 231.94. Payment is 104.33. This does not include optional life insurance

*Rates vary according to credit risks but at all times compliant with all applicable legislation and Prudent does not rely upon any exclusion intended for a pay day style loan company.

Liens and other searches 16.00 and up dependent on loan amount and amortization.

Prudent Financial is an equity lender.  Owning a car or a home provides the highest rate of approval.

Questions? We pioneered the Responsible Lender Pledge. Call us anytime and we’ll be happy to discuss your loan and what fees may be involved depending on your particular circumstances.