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!


Car Financing in Etobicoke for Anyone

Having poor credit can be tough. You often get rejected for credit cards and promotional financing purchases, and obtaining a mortgage can be next to impossible. It used to be that bad credit car loans were equally difficult to come by, but thankfully those days are long gone. In fact, there are dealerships that focus specifically on people just like you who are struggling to improve their credit.

That is why if you are shopping for a new car, but you are worried that you won’t get approved with your credit score as low as it is, you should direct your attention on these dealerships who are experienced in helping people who are in your situation. Obtaining bad credit car loans at a reputable dealership that specializes in this kind of financing does not have to mean you are automatically going to have to settle for a terrible interest rate, either.

Apply for a Car loan

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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 Etobicoke, Ontario

Auto Loans Etobicoke, 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 Etobicoke, 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 among 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.