Own Your Home or Car? Get Approved for a Loan in Minutes.
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Borrow up to $500,000. Your Best Bank Alternative Since 1984.

Complete this 5-Minute Application to Get Started


Thank you for applying, unfortunately you must either own your home or car to be eligible. If you DO own a car or home or have a co-signer who does, please feel free to re-apply with this information.

Flexible Loan Options for Every Goal

At Prudent Financial, we know that life has a way of throwing you a curveball at the most unexpected of times. We're also aware that sometimes its challenging for hard working folks to get the bank financing they might need to pay for some of life's big milestones. That's why we have been here for Ontario residents since 1984, helping individuals like you, meet your ever changing financial needs.

home renovation loan

Home Renovations

debt consolidation loan

Pay Off Credit Cards

mortgage refinance loan

Family Emergencies

tuition loan

Tuition Loan

car title loan

Business Financing

How It Works

We make non-bank borrowing as easy as 1-2-3, all you need to qualify is to own your home or your current model car.

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Apply in Minutes

Apply online and answer a few simple questions about your home or car and you'll be minutes away from cash in your account. Or, simply call our loan centre and one of our agents will be happy to assist you.

Get Approved Same-Day

One of our customer loan agents will contact you to review your application and discuss a customized loan plan with you. If you apply after business hours, your approval can be processed the next business day.

Receive Funds

Once approved, you loan agent will explain how the funds will be automatically deposited into your account. And voila, its really that simple!!

Helping Canadians Since 1984

Since 1984, we’ve helped thousands of Ontario residents get the loans they need and help improve their credit scores. Nothing speaks louder than the kind words from our customers.

Craig Evoy
Craig Evoy
in the last week
Prudent financial services was very pleasant to deal with. Very straight forward and no hidden surprises. Farrukh was my loan office, he was kind, friendly and helped me out tremendously. He was very knowledgeable and understanding of my individual situation and privided me with an adequate solution to my financial…
Jesse Vaughan
Jesse Vaughan
3 weeks ago
Super friendly and very informative, before you sign anything they explain all the details in full, and make sure you feel comfortable and happy with everything. There main concern is to make sure you’re not taking to much and going to hurt yourself in the long run. Farrukh and Jill…
in the last week
Exceeded our expectations. Very compassionate . We were completetly impressed with their professionalism and customer service. Especially, Naomii, Gary and Bob. We highly recommend this business. Amazing experience with this company
Brian Passero
Brian Passero
2 weeks ago
Financial services must feel comfortable, identify your needs with transparency and is always better when you get a very large loan in a few hours. Thanks Jill, Naomii & team for the fantastic service yesterday!! Brian R

The Prudent Choice

Being a top bank alternative lender we are pleased to work with all kinds of credit situations and because we are an equity lender, you won’t be asked to present proof of employment or income.

no proof of income

No Proof of Income Required

competitive rates

Affordable Rates & Terms

credit bureau report

Improve Your Credit Score

Financial Resources

We’re alway here to help.  Browse our free tips for wise financial management, saving, investing, credit score improvement and much more to keep your money where it belongs.  In your pocket.

Secure Your Loan. Apply Today!

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