416 223 9300

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About Prudent Financial Services

  • Prudent has been serving Toronto and the GTA since 1984.
  • Our loans report to the credit bureau.
  • Think Smart. Think Prudent.


  • Up to $30,000 in a fast same day Vehicle Title Loan.
  • Up to $5,000 in a fast same day Vehicle Repair Loan paid upon completion of repairs.
  • PFS provides very competitive rates in the GTA for Vehicle Repair loans for people with bad credit.
  • There is no penalty for paying off your loan early. Plus, we’ll refund remaining interest if you pay before the term ends.

The leader in the lending industry for personal bad credit loans in the GTA

  • Prudent Financial Services opened in 1984, specializing in credit repair services and the lowest cost same day personal and vehicle loans for people with bankruptcies, proposals or bad credit scores in Toronto and GTA.
  • In the following years, we opened two more divisions.
  • Prudent Mortgage Corporation in 2004, a brokerage offering competively priced mortgages for people with bad credit.
  • Prudent Value Cars in 2008, a pre-owned auto dealership with open, same day loans for quality pre-owned vehicles. Buy and drive away on the same day.
  • Today, Prudent is a one-stop centre for all your financial needs — personal, vehicle and home equity loans.

Put the equity in your vehicle to work for you. Click here to be taken to a quick, 2 minute application. Approval is incredibly fast and rates are very competitive.