Prudent Value Cars dealership serves customers who have had challenged credit such as bankruptcies, proposals and bad credit histories. We focus on your current situation not your credit history. Our customers are from Toronto, across the GTA and surrounding areas including: Brampton, Etobicoke, Scarborough, Mississauga, North York, Toronto, Acton, Aurora, Ajax, Barrie, Burlington, Cambridge, Guelph, Hamilton, Kitchener, Maple, Markham, Milton, Oakville, Oshawa, Pickering, Richmond Hill, Thornhill and Woodbridge.

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.

At PVC, we make sure that our pre-owned vehicles adhere to the highest safety standards, particularly because we do the financing on all the vehicles we sell. We offer a 30-day free warranty on all mechanicals bumper to bumper just to be sure everything is ok.

Click here to see our inventory!

If you don’t see the vehicle you want, please let us know what you’re looking for. Most of the time, we can get it for you at a competitive price.


About Prudent Financial Services
Leaders in the lending industry for bad credit loans since 1984

Leaders in the lending industry for bad credit loans since 1984

Car Loan Financing Dealer, Prudent Value Cars, Toronto, Ontario

  • Prudent Financial Services opened in 1984 with the lowest cost same day personal loans for people with bankruptcies, proposals or bad credit scores in Toronto and the GTA. Today, our interest rates, which are 5.75% to 9.9% – plus fees – are the lowest in the bad credit financial industry.  The rates depend on your job, income and debt. PFS offers car financing for any dealer of your choice as well as for PVC vehicles.
  • Prudent Mortgage Corporation opened in 2004, a mortgage brokerage with multiple lenders with competively priced mortgages for people with bad and good credit.
  • Prudent Value Cars opened in 2008, offering superior pre-owned vehicles with the highest safety testing standards in Ontario.  At Prudent, we ensure that our cars safe and reliable and not only look like new but drive like new.  We do our own inhouse financing for people with bruised credit.  You get same day car loans at the lowest rates in the GTA.  So you can buy the car you want and get the loan you need – all on the same day.

Think Smart. Think Prudent. PFS is a one-stop centre for all your financial needs – personal, vehicle and home equity loans.

Click here to see our inventory!

If you do not see the vehicle you want , let us know what you are looking for by clicking on the Find-a-Car button on the Inventory page.