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

1
2
3
4

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.

Diana Barclay
Diana Barclay
a week ago
I had a great experience working with Samantha Ameerally at Prudent Financial. She provided excellent customer service and consistently checked in with me to ensure I understood all the details of getting started. Samantha is kind, patient, and thorough in her approach, making the entire process smooth and stress-free. I…
Karen Mielko
Karen Mielko
a week ago
In my experience over the past few months, dealing with different companies, Prudent Financial is at the top of my list for Customer Service 10+++ Samantha Ameerally... I would recommend her very highly!!! She was on top of everything in a very expedential way. She showed me empathy, compassion &…
Ellen Juma
Ellen Juma
3 weeks ago
My experience with this institution is excellent. It’s more than a bank, It’s the quickest personal loan I’ve ever done, with my paid up car as collateral. I applied at $2:30pm and got my advance at $3:30pm same day, N the rest in my account the following day. Naomi is…
Valerie Henry
Valerie Henry
2 months ago
I recently met with representatives at Prudent Financial Services in Toronto. As always, the agents with whom I worked were very thorough, professional and knowledgeable in all aspects of the transaction. They were non-judgmental and I was treated with dignity and respect. Furthermore, the environment of this establishment is welcoming…
Anonymous
Anonymous
a month ago
I recently had such an amazing experience at Prudent Financial with the help of a new employee Samantha Ameerally. The Service and quality was truly exceptional, she was able to help me with no issues, it was quick and delightful. Thanks so much Samantha !

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.