Borrow With Your Car

Business Details

42 Years

experience

Trusted Vehicle Title Loans in Toronto, ON

Since 1984, Borrow With Your Car has been a trusted provider of financial solutions in Toronto and the Greater Toronto Area. Our company specializes in vehicle title loans, repair loans, and credit restoration services tailored for individuals with challenging credit histories. We pioneered the Responsible Lender Pledge to ensure transparency and ethical lending practices. Our team of experienced professionals, including dedicated loan advisors like Naomi Iqbal and Saif Sarwar, prioritizes personalized service and clear communication. We offer competitive rates and flexible repayment options, including no penalties for early loan payoff.

Our services extend to self-employed individuals, retirees, and those recovering from financial difficulties. We report loans to credit bureaus to help clients rebuild their credit scores. Our sister divisions, Prudent Mortgage Corporation and Prudent Value Cars, provide comprehensive financial solutions for homes and vehicles. We maintain partnerships with CAA-certified repair shops for vehicle repair loans. Our commitment to fast approvals, same-day funding, and customer education sets us apart in the lending industry.

Services

Vehicle Title Loans Vehicle Repair Loans Credit Repair Services Mortgages for Bad Credit Pre-Owned Auto Loans

Details

Year established: 1984

Highlights and features

We offer vehicle loans with competitive rates for bad credit borrowers in the GTA
Our same-day approval process funds loans within hours of application
Loans report to credit bureaus to help rebuild client credit scores
Experienced loan advisors provide personalized financial solutions
No penalties for early loan repayment with interest refunds

What people say

Got funds in an hour Exceptional customer service Professional and understanding Saved us from disaster Amazing service

Website

Update Listing

Services

Vehicle Title Loan

Vehicle Title Loans use paid-off vehicles as collateral for fast funding. Clients keep vehicle use during repayment. Loan amounts up to $50,000 with competitive rates for borrowers with bankruptcies, proposals, or bad credit. Terms 1-5 years with no early repayment penalties.

Vehicle Repair Loan

Vehicle Repair Loans fund urgent car repairs up to $5,000. Available for 6+ year-old vehicles through CAA-certified shops. Requires proof of ownership and insurance. Funds disbursed upon repair completion. Helps maintain transportation reliability during financial challenges.

Credit Repair Services

Credit Repair Services help rebuild financial profiles through responsible lending practices. Loans report to credit bureaus to demonstrate payment history. Tailored solutions for self-employed individuals, retirees, and those with past credit difficulties. Combines loan products with credit education resources.

Mortgages for Bad Credit

Mortgages for Bad Credit assist homeownership aspirations despite financial challenges. Prudent Mortgage Corporation offers competitive rates through specialized underwriting. Services include refinancing, equity loans, and purchase financing. Dedicated support for credit-impaired borrowers in the GTA.

Pre-Owned Auto Loans

Pre-Owned Auto Loans finance quality used vehicles through Prudent Value Cars. Open loan terms allow early repayment without penalties. Partnerships with licensed dealerships enable same-day purchases. Focus on affordable transportation solutions with flexible financing options.

People

Naomi Iqbal

Loan Advisor

Loan Advisor with four years of exceptional customer service. Specializes in personalized financial solutions for clients with credit challenges. Recognized for clear communication and thorough explanation of loan options.

Saif Sarwar

Loan Officer

Experienced Loan Officer praised for straightforward approach and efficient service. Specializes in urgent loan processing with transparent terms. Recognized for helping clients avoid financial crises through timely approvals.

Deborah McGee

Loan Specialist

Professional Loan Specialist known for understanding complex financial situations. Provides tailored solutions for clients in difficult circumstances. Maintains high standards of service quality and client support.

Furrukh Mushtaq

Loan Officer

Skilled Loan Officer with expertise in fast loan processing. Recognized for professional conduct and efficient resolution of client needs. Specializes in streamlined documentation for urgent financial requirements.

Marie

Customer Service Representative

Dedicated Customer Service Representative praised for exceptional support. Provides comprehensive assistance with loan applications and account management. Known for creating positive client experiences through attentive service.

Questions

What types of loans do you offer?

We offer vehicle title loans up to $50,000, repair loans up to $5,000, and mortgages for bad credit through our sister company.

How quickly can I get loan approval?

Most approvals occur within hours of application with funds available the same day for qualified borrowers.

Do you report loans to credit bureaus?

Yes, we report all loans to credit bureaus to help clients rebuild their credit scores through responsible repayment.

Can I pay off my loan early?

Yes, we charge no penalties for early repayment and refund remaining interest when loans are paid before term ends.

What vehicles qualify for loans?

Fully paid-off vehicles 6+ years old qualify. High-end vehicles like BMWs may be older. No liens or leases required.

What documents are needed for a loan?

We require vehicle ownership documents, insurance proof, driver's license, void cheque, and address verification.

Reviews (6)

Write a Review

Imran Immi

Jan 07, 2020 Report

I have deal with Naomi. She have give me best Advice and really help full and understand me need got done. Company Prudent Mortgage rates are good. Fast service. Thank you

R. H.

Dec 24, 2019 Report

Great experience overall. The loan officer I dealt with, Naomi Iqbal, was wonderful to work with. Very helpful, kind, and easy to talk to. She walked me through my options step by step.

Christine Bascombe-Gould

Nov 25, 2019 Report

Naomii Iqbal has been my loan advisor for the past four years. She provides exceptional customer service each and every time and goes beyond the call of duty. If you get her as a loan advisor you will be in good hands. One of the best.

Maggie Yu

Nov 21, 2019 Report

All staff at this place are very friendly. They will give all options that suitable you need. The person who helped me is Naomi. She is very nice lady and helpful. Good place had good staff!

Joe Canali

Aug 13, 2019 Report

Hello my name is Joe I am writing about my
experience with Prudent Financial it was a big surprise how fast they helped me to get my loan on the spot !! Mr Saif Sarwar is the loan officer that I dealt with . He was straight up with us got our information n we walked out with our loan how he saved us from disaster we r grateful I recommend this company for a fast loan to anyone in need !! Thanks again Saif Sarwar n Prudent Financial services ur number 1...

Mark P.

Jul 11, 2019 Report

I own my own business and getting money from the bank is virtually impossible, I was very sceptical about using a independent company, but after talking to Naomi from prudent she really eased my mind, she was responsive and courteous with out judgment. If you are looking to finance something at a reasonable price, this is the place to go , and by the way, I had my money in an hour as promised , I have contacted Naomi about other services and she never let's me down , There awesome