The easiest way to buy a car with less than perfect credit.

Apply Now
How is your credit?

Projected Payment

$[[ formatPrice(monthly) ]]
$[[ formatPrice(biweekly) ]]
$[[ formatPrice(weekly) ]]
Apply Now

https://www.birchwoodcredit.com/wp-content/uploads/2018/11/birchwood-girl.jpg

Credit from Someone Who’s Credible
As part of the Birchwood family, it’s our mission to get you into a good vehicle. Being in a difficult credit situation doesn’t mean driving an old, unreliable car. Learn more about our bad credit car loans.

More Approvals, Better Rates
We are the only Winnipeg in-house financing that lends our own money and that makes us different. Lending our own money means more approvals at better interest rates.

Our Customers are More Than a Number.
No matter what’s on your report, each customer is treated with care and consideration. Time and time again customers remark on how well they are treated. They leave our business feeling respected and not judged for their credit score. View customer testimonials.

Winnipeg Auto Financing Made Easy.
Pick the vehicle you want, let us know your budget and we’ll get you driving. Auto financing with Birchwood is that easy. View our inventory.

Apply for Your Car Loan

Applying for a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than three minutes. Get started now!

Apply Now

How it Works

The Birchwood Automotive Group is the largest network of car dealerships in Winnipeg, Manitoba. You can choose from our inventory of new and used cars, trucks, SUVs and vans.

getting started with a bad credit car loan

Get Started

Getting started is easy. Tell us what type of vehicle you’re looking for, your contact and employment details , and from there we can start working on getting you approved.

bad credit car loan approval icon

Loan Approval

Regardless of what has happened in your past, you deserve some credit. We work with you to assess your current situation and approve your auto financing quickly and hassle-free.

Shop and Drive

Our goal is to get you driving as quickly as possible. Once your loan is approved you can then shop our dealership inventory to ensure you drive away in that perfect vehicle.

Recent Blog Posts

Learn more about auto finance, bad credit car loans, credit tips & tricks, DIY and the latest in automotive news.

More Posts

Customer Testimonials

See what our customers have to say.

Hard working... super informative and did everything to make me feel comfortable.

Jordan M.

January 7, 2019

The staff were all very kind, understanding and professional. Especially Bryan. He was patient and did everything he could to get me in my Kia Rio.

Amanda V

January 2, 2019

I was treated with the utmost respect and family kind of treatment as well. My salesperson was incredible. Thank you!

Linda M

December 30, 2018

Your program allowed my wife and I to re-establish our credit and we were able to get back in to a standard bank loan within two years. Thank you!

Sean D

December 28, 2018

I had a great experience from the very beginning. From that initial first call to actually looking at inventory. Very courteous and professional.

Shannon L

December 21, 2018

Great people & a great place to shop for a vehicle!!! A happy customer!

Lorna J

December 18, 2018

Birchwood is top notch in my books. Barry Krause has been amazing over the years. This was our third purchase and certainly won’t be our last. Birchwood has set the bar high and we wouldn’t go anywhere else!

Yvonne B

December 15, 2018

Very professional and non-judgemental. I'm in a car that suits me with payments I can afford.The experience was so much better than traditional car dealerships. I would highly recommend.

Desiree B

December 13, 2018

I've found them professional and not at all pushy.

Stewart M

December 11, 2018

These guys are fantastic to work with. They are very knowledgeable and helpful. They make you feel like a valuable customer and go out of their way to help you. I would recommend them to everyone!

Tannys S

May 5, 2018

The experience was great. Very helpful professional and understanding. Quick and easy. 10 out of 10.

Bradley H

September 14, 2017

I am very grateful that this company helped me to get a vehicle. It almost seemed to be impossible and you made it happen

Kelly M

July 29, 2017

Fast and easy service

Patrick C

July 23, 2017