We usually have approvals within 24 to 48 hours of you filling out an application and will notify you through email and/or by phone. Once you have completed that application — either online, over the phone or in person — our Finance Managers will review your information and set up a time to meet with you.
Get in touch with us
Have a question or need assistance? We’re here to help. Reach out to our friendly Manitoba-based team and experience the Birchwood Credit difference.
Call us
Speak with a specialist
204-831-4860
Toll-free: 1 -855-741-1197
Office hours
Visit us in person
Mon – Tues: 9:00 a.m. – 8:00 p.m.
Wed – Sat: 9:00 a.m. – 6:00 p.m.
We're here to help
We believe in clarity and transparency. Explore our policies to learn how we handle your information responsibly and outline the terms that ensure a safe, fair, and reliable experience for every customer.
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Come visit us
Chevrier Boulevard
1330 Chevrier Blvd
Nairn Avenue
768 Nairn Avenue
Portage Avenue
3965 Portage Avenue, Unit 20
Salter Street
1065 Salter Street
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
Colin went above and beyond our expectations and got us in a brand-new Nissan Qashqai. Would highly recommend you go if you’re in the market to get a vehicle! Thank you!!!
Kevin R.
Winnipeg, MB
5.0
If you are going through rough times and you currently went through bankruptcy or your car is coming to it’s final end, birchwood credit is definitely the place to go.
Aaron R.
Winnipeg, MB
5.0
I’m truly grateful for the team at Birchwood Credit. Over the past five years, they’ve been instrumental in helping me repair my credit while driving some very nice cars.
Rob T.
Winnipeg, MB
5.0
Really great place to get you in a vehicle. I have gotten my past three vehicles there. They have always been helpful.
Ric G.
Winnipeg, MB
5.0
5 Stars is just not enough for this Company! Simply saying “thank you” doesn’t feel sufficient for what this company and its employees did for us. They truly went above and beyond, and I cannot praise them enough.
Calvin S.
Winnipeg, MB
5.0
Awesome service from Palvinder on helping me obtain a new vehicle. Everything from the beginning to the end of my purchase experience was a very positive experience. Thank you very much Palvinder.
Lucinda G.
Winnipeg, MB
5.0
I am so thankful and grateful for the team at Birchwood Credit Solutions. In particular, Noy, for taking the time to get to know my background story to understand my goals and know why getting a vehicle was so important to me.
BreeAnne H.
Winnipeg, MB
5.0
I had an amazing experience thanks to Kreg. He was very professional, patient, and kind — truly went above and beyond to help me. Kreg explained everything clearly, made the process easy and stress-free, and made me feel confident every step of the way.
Valerij S.
Winnipeg, MB
5.0
I have had the privilege to work with Ryan B. on 2 different occasions and each time Ryan has gone above and beyond the call of duty. Exceptional customer service and communication and provides the utmost respect.
Arvin S.
Winnipeg, MB
5.0
I came in on a Thursday to look for a car. I left with an awesome VW On Saturday that same weekend. This is amazing considering my Credit following a nasty separation… absolutely amazing people.
Janelle R.
Winnipeg, MB
5.0
Karl and the entire team were really impressive and amazing. They provided the top of the service customer service. The whole process was very fast and unbelievable and got me into my desired vehicle without delay. Thank you Karl!
Ola O.
Winnipeg, MB
5.0
Questions? We've got answers
How long does it take and when will I know if I’m approved for financing?
Do I need to make a down payment on the vehicle?
We generally don’t require down payments.
Do I have to be a Winnipeg resident to apply with Birchwood Credit?
No, we serve auto loans to the entire Province of Manitoba. Although we are headquartered in Winnipeg, MB and have four locations across the city, we can service you even if you live outside of the city. We encourage you to fill out the easy online application or simply call us.
Can I get a car loan even if I have bad credit?
Birchwood Credit Solutions was created to allow everyone an equal opportunity to drive a safe and reliable vehicle. Don’t let credit concerns keep you from your next vehicle. We have the experience and resources to help with all the following types of credit situations:
- Bad credit / no credit
- First time car loan applicants
- Slow, late or missed payment history
- Getting a car loan after bankruptcy
- Consumer proposal
- Repossession
- Divorce
- Low income
- Orderly payment of debt
- Poor credit due to unexpected events
How does credit score affect a car loan?
This is dependant on where you apply. Banks and other financial institutes usually put a lot of weight on credit scores because they indicate your reliability as a borrower. At Birchwood Credit Solutions, we lend our own money, allowing us to look beyond your credit score.
I recently arrived in Canada and have no credit history. Can I get a car loan?
Yes, we specialize in helping new Canadian residents secure a car loan.
Why are Birchwood Credit’s car loan requirements different from my bank?
Banks and traditional financial institutions often have strict requirements when approving any loans because they want to guarantee their loan will be returned. Since we lend our own money, we’re able to offer more flexible payment plans and interest rates.
