Own Your Home or Car? Get Approved for a Loan in Minutes.
Apply Today.

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.

Play Video

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.

Justin Bregman
Justin Bregman
a week ago
Working with Jonah was an amazing experience! He’s extremely knowledgeable, very hard working and he always put my best interest first. Jonah also has a very good pulse on the real estate market. So when it comes to give the best financial advice on interest rates, there is nobody I…
David Zemelman
David Zemelman
2 weeks ago
Working with Jonah and his team at prudent has been nothing short of an amazing expierience. They provided amazing customer service answered all my questions and took all our calls when we needed them and provided amazing support even though this process can be stressfull. They had a wide variety…
Al Labrador
Al Labrador
2 weeks ago
Excellent & very professional Prudent client care service by both Marie & Bob. Provided fast & efficient service in getting my loan approved. Thank you, Jonah! Great to know you are always there for me, amazing job !!
Craig Evoy
Craig Evoy
2 months ago
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…
in the last week
From the moment I walked into this beautiful office I was treated with utmost respect and first class service. From Sanjay, Farrukh who took care of my file to Samantha. All were amazingly friendly and caring. I also met with Jona and Gary who were just as pleasant and friendly.…

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!

Click below to submit your loan application.