Fast approvals. Low payments. All credit scores welcome — Start your application today!

Refinancing a Car Loan: How Does It Work?

Have you obtained a car loan at some point in the past? Are you having difficulty making the repayments? Or do you simply feel that the interest rate is too high? Refinancing a car loan could, in the long run, save you a significant amount of money. When you refinance, you substitute your current loan […]

How to Get a Car Loan as a Student

Most college students like you need reliable transportation to get from A to B, and that might mean that a student car loan is another financial obligation you have to put up with. Fear not. There is light at the end of the tunnel! Even with no credit history, getting approved for a bad credit […]

Car Finance for Students: 4 Steps to Getting Approved

Students face many challenges trying to secure car finance. However, now more than ever, there are alternatives for students who need to prove their creditworthiness without a large income or credit history. By researching your options before applying, it is possible to get approved for a car loan as a student. How to get car […]

Quick step to continue

Complete a pre-qualification application before browsing our inventory

Why we pre-qualify

At Birchwood Credit, we use an “application first” approach to vehicle purchases. This helps us understand your credit situation and make sure the vehicle you’re considering is one you can confidently drive off our lot.

To browse our inventory, we simply ask you to complete an application. It lets us start your ownership journey with clear options and the right expectations.

We help all credit types

Bad credit / no credit

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For those with late or missed payments or with no credit

First time applicants

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For clients who have never had a loan before and need to build credit

Divorce

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For individuals facing divorce, unexpected events, or financial changes.

Car loan after bankruptcy

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We help clients who are moving on from declaring bankruptcy to get approved for an auto loan

Newcomers and first-time buyers

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Birchwood Credit provides auto financing to newcomers to Canada or first-time car buyers.

Consumer Proposal

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For applicants who are in a repayment agreement with creditors

Slow, late or missed payment history

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We provide auto loans to clients who have experienced issues with payments

Poor credit due to unexpected events

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For individuals facing divorce, unexpected events, or financial changes.

How Birchwood Credit works.

Apply and get approved.

We use our own funds, giving you faster approvals and more flexible options than traditional banks.

Choose your vehicle.

Browse our quality inventory and find the perfect vehicle that fits your budget and lifestyle.

Drive away.

Finalize your paperwork
and drive away in your new vehicle. It’s that simple!

Get approved today.

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!

Ready to Apply?

Start your financing application now and get instant pre-approval.