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

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Level Up Your Credit

You Buy, You Win
Purchase a vehicle between April 1 and June 30 and you'll automatically take home a prize, plus you'll be entered to win $5000! Apply now and get pre-approved within 24 hours.

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Car Loan Payment Calculator

Use our Car Loan Calculator to estimate your monthly payments so you can budget for the car you want.

How is your credit?
Most lenders may be reluctant to approve customers with a credit score under 500. At Birchwood Credit, we look at your entire financial situation, not just your credit score.
The average credit score in Canada is around 650. Having average credit should open up more lending opportunities.
A credit score of 660 or above is considered good and lenders will typically view these customers as low-risk borrowers.
A credit score of 780 and up is considered excellent. Customers in this category are viewed as reliable borrowers and will get the best interest rates.

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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!

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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.

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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.

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Customer Testimonials

See what our customers have to say.

Good place to definitely buy a car from Birchwood Credit lots of deals and offers to help you afford a car and good service from Palvinder, very friendly

Tyson Amos

June 4, 2022

I had a wonderful experience with Birchwood Credit they handled everything for me after my car accident and were able to get me into a new vehicle in record time. I give a huge gratitude to all the employees. Plus just knowing that Birchwood credit gives chances to people and to help them build their credit is just beyond amazing. I highly recommend and give Birchwood credit 5 stars!!

Musu Mansaray

March 3, 2022

Barry and Noy was awesome to deal with. This my 3rd car from your company and always dealt with Barry. They got me a car with hours. THANKS FOR EVERYTHING to put me in my new car.

Robert Mercredi

April 1, 2022

Never thought I’d get approved! Wish there was a bit more selection but still very happy with my 2021 Hyundai Venue! Thanks Birchwood!

Sierra Meeches

March 2, 2022

The whole process went absolutely great. Craig was very thorough with explaining everything and went above and beyond. I left with a brand new vehicle with payments that fit my budget and I could not be happier. I will definitely be coming back and referring others for their vehicle needs.

Breann Benoit

February 15, 2022

I am very satisfied with my service the staff were very friendly. i would definitely recommend birch wood to my friends

Melissa Kashuba

February 12, 2022

My experience was good. Kreg was informative and kind.

Teosha Green

February 4, 2022

Experience was great, everything was explained to me in a way that I could understand. My vehicle options were limited because of the shortage and I appreciated not feeling forced into the contract. Im looking forward to building my credit. Thank you for giving someone a chance!

Crystal Gook

April 3, 2022

Very helpful staff, explained everything and answered all my questions without hesitation. Very friendly

Vienna Prud'homme

April 11, 2022

I had an incredible experience, everything was straight forward, communication was great, I love my car and I would definitely recommend my friends to go there.

Kortnee Brelis

March 17, 2022

I felt valued and treated with great respect . Plus Bryan Ditchfield went above and beyond what I expected

Lucille Rempel

March 6, 2022

I would definitely recommend you guys! You’ve helped me so much with my situation and go above and beyond.

Rina Calixterio

March 5, 2022

The service was friendly and courteous. All terms were well explained to us. I didn't care for the lack of choice in vehicles though. An overall good experience. Thank you.

Louise Bonomo

March 17, 2022

It was good , fast turn around , few issues on the finance systems used not being ready on pick up making me have to go back the next day. I was given 2 free oil changes in return so that was nice.

Brendan Goodridge

March 20, 2022

Had the best experience with Colin and the team yesterday. Went to 3 other big dealers didn't like the way I was treated came and seen the Birchwood team on a Monday and driving away on Saturday again BIG THANKS TO COLIN AND THE TEAM U GUYS R AWESOME

Adam Birston

April 10, 2022

Absolutely fantastic! This is my 3rd vehicle and the service and friendliness is what keeps me coming back. They work very hard putting me in a vehicle to fit my budget and that works for my needs. Daniel and Josh are absolutely awesome!

Christopher Konechny

April 11, 2022

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

Most helpful, and hardworking people I have dealt with in a long time. Everyone went above and beyond to get me into a car at a great payment

Kevin Richmond

December 24, 2021

This was an incredible experience. My husband and I were so impressed by the quality of care we received and how educated the staff were. For the first time, we actually understood what was happening and had explained to us very well. Our best interest was very important to them and we felt listened to and valued the entire time.

Taija Caya

December 15, 2021

My experience was great. The staff was very helpful and patient with me because I was not sure what type of vehicle I wanted but jay helped find my the right vehicle I needed. I'm very happy with my experience.

Dennis Cook

January 29, 2022

Mike downs Is the best guy I have had the pleasure of dealing with to get me into a new vehicle.

Corey Alarie-Jesso

February 7, 2022

I had a great experience! I was really happy to leave with a newer car - Jay was really helpful and was able to get me what I wanted within a few days.

Gillette Camara

March 3, 2022