{"id":1021508,"date":"2023-08-11T09:26:06","date_gmt":"2023-08-11T13:26:06","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1021508"},"modified":"2025-10-23T17:01:26","modified_gmt":"2025-10-23T21:01:26","slug":"prudent-financial-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/prudent-financial-review","title":{"rendered":"Prudent Financial Services review"},"content":{"rendered":"<h3>What is Prudent Financial?<\/h3><p>Prudent Financial is a Toronto-based lender specializing in bad credit loans. It offers home equity and car title loans to Ontario borrowers, and a past bankruptcy or consumer proposal won\u2019t stop you from qualifying for a loan.<\/p><p>Once you apply for a loan, Prudent Financial says it offers decisions within 30 minutes and same-day loan funding.<\/p><h3>Is Prudent Financial legit?<\/h3><p>Prudent Financial Services was established in 1984 and is headquartered in Toronto. It has an active social media presence and has received hundreds of customer reviews online.<\/p><p>While it is not accredited by the Better Business Bureau (BBB), it has a BBB rating of A+. It also reports your loan payments to the credit bureau to help you improve your credit score.<\/p><h3>Prudent Financial loan features<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 25%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 75%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Loan amount<\/td><td>Up to $500,000<\/td><\/tr><tr><td>Loan term<\/td><td>6 - 48 months<\/td><\/tr><tr><td>APR<\/td><td>19.99% \u2013 34.99%<\/td><\/tr><tr><td>Serviced provinces<\/td><td>ON<\/td><\/tr><tr><td>Eligibility requirements<\/td><td><ul><li>Home equity loan: Must have 50% equity in your home<\/li><li>Vehicle title loan: Must have a paid-off vehicle 6 years or newer or an older luxury vehicle<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3>What are Prudent Financial\u2019s loans?<\/h3><p>Prudent Financial Services offers the following loan types:<\/p><ul><li><strong>Vehicle title loans.<\/strong> If you own a vehicle that\u2019s less than six years old, Prudent Financial offers car title loans of up to $500,000. The lender says that these loans are open and can be paid back at any time. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/car-title-loans\">Learn more about car title loans<\/a>.<\/li><li><strong>Home equity loans.<\/strong> If you want to borrow against the equity in your home, Prudent Financial offers home equity personal loans of up to $500,000.<\/li><li><strong>Motorcycle storage loans.<\/strong> This type of loan is essentially a vehicle title loan that lets you borrow against the equity in your motorcycle, plus it comes with free storage for your bike. You can borrow up to $5,000 with this type of loan.<\/li><li><strong>Mortgages.<\/strong> Prudent Financial Service also runs Prudent Mortgage Corp, a licensed mortgage brokerage that can help you compare loans and rates from multiple lenders. Loans of up to $500,000 are available.<\/li><li><strong>Car loans.<\/strong> Prudent Financial offers same-day car loans through its Prudent Value Cars used car dealership, and offers vehicle financing to dealerships throughout Toronto. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\/bad-credit-car-loans-ontario\">Learn more about Ontario car loans for bad credit<\/a>.<\/li><\/ul><h3>Can you get an unsecured personal loan from Prudent Financial?<\/h3><p>No. While Prudent Financial advertises a \u201cHome Equity Loan (unsecured)\u201d, they require a vehicle to register for collateral, which means this is actually a secured loan.<\/p><p>You\u2019ll need to consider other options if you\u2019re searching for an <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/unsecured-loans-canada\">unsecured personal loan<\/a> for bad credit.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/best-bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit loans in Canada<\/a>\n<\/div>\n<\/article><h3>What are Prudent Financial\u2019s interest rates?<\/h3><p>Prudent Financial says the interest rates on its loans range from 19.99% to 34.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span>. However, please note that this rate doesn\u2019t include loan fees, and Prudent Financial charges an annual fee ranging from 10% to 19%.<\/p><p>As a result, the APR that applies to your loan could range from 19.99% up to a maximum of 34.99%. A 34.99% APR will make your loan very expensive to repay, so make sure you know exactly how much your loan will cost before signing the contract.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Personal loan rates in Canada<\/a>\n<\/div>\n<\/article><h3>What we like about Prudent Financial Services<\/h3><ul class=\"list-1\"><li><strong>Established lender.<\/strong> Prudent Financial Services has been offering bad credit loans in the Greater Toronto Area since 1984.<\/li><li><strong>Bad credit is OK.<\/strong> If you have bad credit, a past bankruptcy or consumer proposal, it\u2019s still possible to qualify for a loan from this lender.<\/li><li><strong>Improve your credit.<\/strong> Prudent Financial says it reports your loan payments to the credit bureau, so making on-time payments can help you rebuild your credit score.<\/li><li><strong>Easy application process.<\/strong> You can apply for a Prudent Financial Services loan in minutes by submitting an online application.<\/li><li><strong>Fast approvals and funding.<\/strong> You can apply and get approved within 30 minutes, and Prudent Financial Services says it offers same-day loan funding.<\/li><li><strong>No proof of income required.<\/strong> As Prudent Financial is an equity lender, you don\u2019t need to provide proof of income to qualify for a loan.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>High APRs. <\/strong>Prudent Financial loans come with APRs of up to 34.99%, so be aware that your loan may be very expensive to repay.<\/li><li><strong>Fees.<\/strong> An annual fee ranging from 10% to 19% of your loan amount applies when you borrow with Prudent Financial Services.<\/li><li><strong>Unclear loan features.<\/strong> There\u2019s limited information on the lender\u2019s website about factors such as repayment schedules and exactly how borrowing works.<\/li><li><strong>Only available in Ontario.<\/strong> If you live somewhere other than ON, you\u2019ll need to consider other lenders.<\/li><\/ul>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 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           \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    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rewards--container sticky-cta \" data-product-id=\"eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" data-product-name=\"Spring Financial Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Spring Financial\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Spring Financial\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/spring-financial-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7%22%2C%22product_name%22%3A%22Spring%2BFinancial%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2219898%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221021508%22%2C%22post_path%22%3A%22personal-loans%252Fprudent-financial-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { 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<hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $35,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 - 84 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 34.95%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 7554d6fa-1e55-4921-b9ca-3455c3e4ae14\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7554d6fa-1e55-4921-b9ca-3455c3e4ae14\" data-product-name=\"Loans Canada Installment Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-installment-loan-ca-personal-loan-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227554d6fa-1e55-4921-b9ca-3455c3e4ae14%22%2C%22product_name%22%3A%22Loans%2BCanada%2BInstallment%2BLoan%22%2C%22offer_id%22%3A%2217711%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221021508%22%2C%22post_path%22%3A%22personal-loans%252Fprudent-financial-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $50,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        4 - 60 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 7fd7d7fc-e864-45a9-b585-bfadfd222da4\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\" data-product-name=\"LoanConnect Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"LoanConnect\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to LoanConnect\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%221021508%22%2C%22post_path%22%3A%22personal-loans%252Fprudent-financial-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $60,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        3 - 120 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/loans-like-prudent-financial-services\" style=\"text-decoration:underline; font-size:0.9em;\">Prudent Financial alternatives<\/a>\n<\/div>\n<\/article><h3>What do Prudent Financial reviews have to say?<\/h3><p>While customer reviews for Prudent Financial Services generally tend to be positive, there are also some negative customer reviews. People who left positive reviews commented on factors such as a fast and efficient application and funding process, and friendly customer service.<\/p><p>However, people who left negative reviews sometimes complained about loan fees.<\/p><h3>Summary of Prudent Financial Services reviews<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BBB accredited<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>A+<\/td><\/tr><tr><td>Google reviews<\/td><td>4.4 out of 5 stars, based on 463 Prudent Financial Services reviews<\/td><\/tr><tr><td>Trustpilot reviews<\/td><td>4.0 out of 5 stars, based on 157 Prudent Financial Services reviews<\/td><\/tr><tr><td>Facebook reviews<\/td><td>No Prudent Financial Services reviews available<\/td><\/tr><tr><td>Customer reviews verified as of<\/td><td>March 21, 2024<\/td><\/tr><\/tbody><\/table><h3>Prudent Financial reviews from Finder survey<\/h3><div id=\"testContainer-container\" class=\"carousel-container\">\n<div class=\"slideContainer\">\n<\/div>\n\n <a class=\"carouselPrev mobile_prev_button\" data-target-id=\"\">\u276e<\/a>\n <a class=\"carouselNext mobile_next_button\" data-target-id=\"\">\u276f<\/a>\n\n<br>\n<div style=\"text-align:center\" class=\"dotContainer\">\n<\/div>\n<\/div>\n\n\n<script type=\"text\/javascript\">\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\n\nvar thisContainer = document.getElementById(\"testContainer\");\n\nvar containers = thisContainer.getElementsByClassName(\"carousel_item\");\n\nvar numItems = containers.length;\n\nvar carouselContainer = document.getElementById(\"testContainer-container\");\n\nvar dotContainer = carouselContainer.getElementsByClassName(\"dotContainer\")[0];\n\nvar toAdd = new Array();\n\nvar slideContainer = carouselContainer.getElementsByClassName(\"slideContainer\")[0];\n\nfor(i = 0; i < containers.length; i++)\n{\nvar slideItem = document.createElement(\"div\");\nslideItem.className = \"slideImage slideFade\";\n\n\/\/slideItem.appendChild(containers[i]);\nslideContainer.appendChild(slideItem);\ntoAdd.push(containers[i]);\n\nvar newDot = document.createElement(\"span\");\nnewDot.className = \"dot\";\nnewDot.setAttribute(\"data-index\",i);\nnewDot.onclick = function(e) {\nvar index = e.target.getAttribute(\"data-index\");\ncurrentSlide(parseInt(index)+1);\n};\ndotContainer.appendChild(newDot);\n\n}\n\n\nvar slides = slideContainer.getElementsByClassName(\"slideImage\");\n\nfor(i = 0; i < toAdd.length; i++)\n{\nslides[i].appendChild(toAdd[i]);\n}\n\n\n\n\n\n\n\nvar slideIndex = 1;\n\nvar nextButton = carouselContainer.getElementsByClassName(\"carouselNext\")[0];\nvar prevButton = carouselContainer.getElementsByClassName(\"carouselPrev\")[0];\n\nnextButton.onclick = function(e) {\nplusSlides(1, carouselContainer);\n};\n\nprevButton.onclick = function(e) {\nplusSlides(-1, carouselContainer);\n};\n\n\/\/ show first image\nshowSlides(slideIndex, carouselContainer);\n\n\n\nfunction plusSlides(n, targetContainer) {\n  showSlides(slideIndex += n, targetContainer);\n}\n\nfunction currentSlide(n) {\n  showSlides(slideIndex = n, carouselContainer);\n}\n\nfunction showSlides(n, targetContainer) {\n  let i;\n  let slides = targetContainer.getElementsByClassName(\"slideImage\");\n  let dots = targetContainer.getElementsByClassName(\"dot\");\n  if (n > slides.length) {slideIndex = 1}\n  if (n < 1) {slideIndex = slides.length}\n  for (i = 0; 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width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">They helped me get the loans I needed. They were very understanding. I'd recommend them to anyone.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Prudent Financial Customer from Toronto, Ontario\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png?fit=152 152w\" sizes=\"(max-width: 152px) 28vw, 152px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Prudent Financial Customer from Toronto, Ontario<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a><\/div><div class=\"carousel_item\">\n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">A very good company. I feel very satisfied.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Prudent Financial Customer from London, Ontario\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=900 900w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 28vw, 1200px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Prudent Financial Customer from London, Ontario<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a><\/div><\/div><div id=\"testContainer\"><div class=\"carousel_item\"><\/div><\/div><h3>What are the eligibility requirements of Prudent Financial loans?<\/h3><p>Prudent Financial Services only offers loans to residents of ON.<\/p><p>If you want a home equity loan, you\u2019ll need to have at least 50% equity in your home.<\/p><p>If you\u2019re applying for a car title loan, you\u2019ll need to own a vehicle that is less than six years old. However, if you have a luxury vehicle such as a Mercedes, BMW or Lexus that is more than six years old, you may still be able to qualify for a loan.<\/p><h3>How to get a loan from Prudent Financial<\/h3><p>You can apply for a Prudent Financial Services loan online or phone the lender to speak to a loan officer.<\/p><p>To apply online, navigate to the Prudent Financial website and click \u201cApply Now\u201d. You\u2019ll need to enter your name, email address and phone number, specify that you are a resident of Ontario, and agree to the terms and conditions.<\/p><p>During the application process you will need to provide:<\/p><ul><li>Proof of address<\/li><li>Photo ID<\/li><li>Void cheque<\/li><li>Two references with names, phone numbers and addresses<\/li><li>A bank statement<\/li><li>If you are providing your car as collateral, you\u2019ll need to provide proof of ownership, insurance and your licence<\/li><\/ul><h3>Bottom line<\/h3><p>Prudent Financial Services is well worth considering if you have a less than perfect credit history but own a home or car. It\u2019s easy to apply and loans are funded quickly, but make sure you check the fine print to find out what APR applies and how much your loan will cost.<\/p><p>Ultimately, it\u2019s vital to compare a range of lenders before deciding on the right one for you.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Have time? Compare 45+ personal loans<\/a>\n<\/div>\n<\/article><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Does Prudent Financial offer used car loans?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Prudent Financial Services offers car financing for auto dealers in the Greater Toronto Area. It also operates its own used car dealership, Prudent Value Cars, where you can access same-day car loans. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/used-car\">Learn more about used car loans<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How long does it take to get a Prudent Financial loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Prudent Financial says you can apply for a loan and get approved in as little as 30 minutes, with same-day funding available.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I get a loan from Prudent Financial if I'm self-employed?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. If you're self-employed, provided you own an eligible car or have equity in your home that you can use as collateral, it's possible to qualify for a loan from Prudent Financial Services.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What should I do if I'm in danger of missing a payment?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In case of emergencies, Prudent Financial says it can put a hold on your payments at no extra cost for up to two weeks. However, you'll need to contact the lender two to three days before your payment is due to notify them.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Is Prudent Financial a bank?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No, Prudent Financial is not a bank. It's a financial services institution that offers loans and mortgages in Toronto and the Greater Toronto Area.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Your guide to loan features, APRs and fees when you take out a home equity or car title loan from Prudent Financial Services.<\/p>\n","protected":false},"author":516,"featured_media":1034519,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[407],"tags":[],"asset_tag":[],"class_list":["post-1021508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prudent Financial Review: Benefits and Risks | Finder Canada<\/title>\n<meta name=\"description\" content=\"Should you take out a home equity or car title loan from Prudent Financial Services? Find out in this Prudent Financial review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/prudent-financial-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prudent Financial Services review\" \/>\n<meta property=\"og:description\" content=\"Should you take out a home equity or car title loan from Prudent Financial Services? 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