Your Best Bank Alternative since 1984
Home or car owners get approved as quickly as 30 minutes!
Equity Personal loans up to $100,000 o.a.c.
Home Equity loans up to $1,000,000 o.a.c. (FSCO Lic. #12059)
Loans online from the safety of your home.
Apply for a car or home equity loan now!
Please note - You must be a resident of Ontario to qualify for a loan.
Types of Loans we Offer
Car Title Loan
When you own your vehicle it you can quickly leverage the value for a quick, affordable loan.
Home Equity Loan (unsecured)
Your home is a powerful asset. You can borrow to pay down debts or any number of reasons.
Home Equity Loan (secured)
This is your maximum lending option. Borrow up to $500,000 o.a.c.
Motorcycle Storage Loan
You borrow against the equity in your motorcycle. Plus, we'll store your bike inside our safe, secure and alarm protected facility.
What makes a Prudent Financial loan different?
No Proof of Income Required
Because we’re an equity lender you do not need to present proof of employment or income.
We work with past bankrupt
Being a top bank alternative lender we are pleased to work with all kinds of credit situations.
In a Proposal?
No problem! We are happy to assist with affordable rates and payments that fit your situation.
Approval as quickly as 30 minutes!
Because we’re an equity lender you do not need to present proof of employment or income.
Improve your credit score
Your loan’s positive payment history is reported to the credit bureau as part of an overall credit enhancement program.
Affordable rates & terms
Our rates are among the most competitive in the non-bank category
What people are saying
Since 1984 we aim to please one customer at a time.
I was treated with respect.
Get your FREE E-Book - How to get approved for a loan even with bad credit
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Fine Print
The Fineprint
Here is the fine print for your Prudent loan.
Min and Max period for a Prudent loan repayment
Answer: 1-5 years
What is the maximum annual percentage rate (APR), which includes the interest rate plus fees and other costs for a year?
Answer: 5.75% plus annual fee (ranges from 10% -19%) APR* – Start at 6.99% to 56.5% maximum (effective rate will vary).
A representative example of a Prudent loan – How is it broken down with all applicable fees
A typical 1000.00 loan, paid off over a 12 month period borrows an amount of 1020.00 which includes the $20 credit application fee. Total cost is 231.94. Payment is 104.33. This does not include optional life insurance
*Rates vary according to credit risks but at all times compliant with all applicable legislation and Prudent does not rely upon any exclusion intended for a pay day style loan company.
Liens and other searches 16.00 and up dependent on loan amount and amortization.
In some situations some security may be required.
Approval times are based on optimal situation – customer has all documents and extensive verification is not required.
Questions? We pioneered the Responsible Lender Pledge. Call us anytime and we’ll be happy to discuss your loan and what fees may be involved depending on your particular circumstances.
HOURS
Monday to Friday
9am – 5pm
Saturday
9am – 1pm
Sunday
CLOSED
Proudly Serving Ontario Since 1984
Toronto | Burlington | Etobicoke | Hamilton | Scarborough | Whitby | Mississauga | Pickering | North York | Kitchener | Brampton | London | Ajax | Markham | Barrie | Oakville and more
And more
Acton | Aurora | Barrie | Guelph | Maple | Milton | Oshawa | Richmond Hill | Thornhill | Woodbridge | Ottawa | Cornwall | Belleville | Kingston | Thunder Bay | Timmons