Using TTC? Take the University-Spadina subway to Downsview station which stops right at Sheppard and Allen Rd. Take a Sheppard West bus for 2 short stops to Prudent Financial Services at 1150 Sheppard West. That’s it! 

Here is what to bring in: 
1. current pay stub
2. photo ID
3. void cheque
4. car – only if Prudent can use for collateral, must also bring ownership and insurance
5. two references with names, phone #, addresses