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

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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.

Projected Payment

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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.

Staff was very friendly. Paperwork was explained thoroughly, questions were answered. When my car needed servicing the staff both at Birchwood Credit and Birchwood Hyundai Winnipeg were courteous and helpful.

Amy Peters

September 27, 2019

Very good experience, Greg was very helpful with everything. Recommend any one to see Greg at Birchwood:)

Chelsey Clarke

September 28, 2019

It was good got a response right away its always a pleasure dealing with birchwood

Doyle Brown

September 28, 2019

Good customer services

Akermans Chibanda

September 30, 2019

I was very good, he give straight forward answers in our questions and concerns. He is friendly and accommodating. We will for sure recommended Colin to other friends that really need help

Aileen Geronimo

September 30, 2019

I felt welcome. The customer care was very good. The representative made sure that he explained everything for me and also made sure that I understood. My problem was solved

Gloria Lusanji

September 30, 2019

I felt like it was very welcoming and that they really wanted to help.

Shayla B.

September 5, 2019

Fast, friendly, helpful

Darrow A.

September 2, 2019

Everyone was more then helpful, was treated like royalty. All of my questions and more were answered, and really when no.one seemed to care if they did anything to help.me move forward the guys as Birchwood went above and beyond what I expected and could have possibly asked for.

Ben H.

August 27, 2019

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