Hard time getting a loan?

  • in a proposal?
  • dealing with bankruptcy?
  • discharged / undischarged?

Own your car or Own your home? Get a loan.

Get a loan today!

An important notice regarding Covid19

Prudent Financial is following closely the events surrounding COVID-19 and we have taken a number of precautions relating to both our customers and our employees.

Learn more about your financial options & government programs through this pandemic.

Click Here

Open by Appointment

At this time our offices are open with limited staff available to assist you. However we do not currently have walk-in. Appointments must be made prior to your arrival. Please call our main switchboard at (416)223-9300 or by chat on this website.

We have full protocol in place as advised by Health Canada.

Our offices are being sanitized regularly
We are practising Safe Social Distancing.

Experiencing Illness? If you are having symptoms of cold or flu, we ask that you do not come to our offices. We are eager to assist you by phone, email or Chat (from our Prudentfinancial.net website.

Recent Travel? If you have symptoms of Covid-19 or have travelled beyond the country recently, we would ask that you, again, contact us by phone, email or Chat.

We’re monitoring the situation. Have questions about your Prudent Financial loan? We are a quick click or call away. Loan officers and staff are available to assist you with any questions you may have at 416.223.9300 Monday - Friday 9-5 and Saturday morning 9-1pm

Have questions about Covid-19?

Click Here

We will continue to be here for you throughout this pandemic. The Family and Staff of Prudent Financial Services. Stronger together.

Bad credit car, personal, home loans for Toronto-GTA

Financial Service Providers

Prudent is the leader in the financial industry offering car title loans and home equity loans to people with bankruptcies, proposals and bad credit histories across Toronto and the GTA and Ontario since 1984. We also give secured loans to self employed.

Don’t be fooled by the claims of pay day loan places or other bad credit loan competitors. You'll be amazed by our affordable rates for bad credit loans in Toronto and the GTA. Click here.

Our loans are all open and repayable at any time. We offer on-line and same day financing. No upfront fees.

Prudent helps to rehabilitate credit for discharged and undischarged bankrupts, people with proposals almost paid off and people with bad credit histories. Have equity in your car or home? Get a loan! Contact us today for details.

with debt?
Need to consolidate?

Know your options - click here
Image of bills piled up

Bad Credit Loans

Up to $100,000 o.a.c. for secured Personal Loans. You won't believe our low rates and great services. Serving people with bad credit across Toronto, GTA and surrounding regions – since 1984.

Learn More -->

Prudent Mortgage Corp.

PMC, is an experienced licensed mortgage broker with access to multiple lenders. Get the best priced mortgage for you. Take the time and energy out of shopping around for the best rates.

Learn More -->

Borrow With Your Car

Up to $100,000 o.a.c. in a fast, open, same day title loan with a paid-off car 6 years or newer (older higher end cars are acceptable). You'll be amazed by our low rates in the GTA for people with bruised credit. Vehicle must be in your name only and fully insured..

Learn More -->

Prudent Value Cars Loan

Up to $30,000 for any pre-owned car bought from Prudent Value Cars. Or any dealer of your choice. Get the car you want and the competitive rates on financing you need - all on the same day.

Learn More -->

Bankrupcty/Proposal Loans

In 1984, Prudent was the first in Ontario to offer bankruptcy and proposal loans. Today, we offer affordable rates as a bankruptcy and proposal lender helping those who need an opportunity to rehabilitate their credit. We're an asset lender. Own 50% equity in your home? Or a paid off vehicle 6 years or near? We can approve as quickly as 30 minutes!

Learn More -->

Loans for Self-Employed

Stop being declined by the bank! We know how hard it is to get a loan from the bank-especially when you are self-employed. Competitive rates. We work with self employed who their your car or have equity in their home

Learn More -->

Home Equity Personal Loans

Up to $500,000 o.a.c. in an open, same day personal loan if you have 50% equity to value of your home. No legal and appraisal costs. This is not a secured mortgage. Home equity loans can help in many ways.

Learn More -->

Credit Sense

Go to the ABC's of credit to find out ways to be a smarter manager of your finances. Say no to payday loans, say no to minimum payments on your credit card and more.

Learn More -->

Get Tips on Investing and Saving Your Money!

Free tips that show you how to save more money - and low or no cost fun activities around the city!

Click here to sign up.


Tips on Getting Loan Approved even with bad credit

Free tips to increase your odds of getting approved for a low credit score loan

Click here to get yours.

A recent Google Review

AvatarK Edwards Toronto

I was treated with respect. The options available were clearly explained and my advisor was extremely helpful.


Prudent Financial never solicits business by text message. If you receive a text soliciting loans from an individual/group claiming to be Prudent Financial, this is fraudulent and this person/organization is in no way affiliated with us.


Prudent Financial Services

Business Hours

Monday to Friday
9am - 5pm

9am - 1pm


Serving the GTA since 1984

North York