It is very possible to get credit from day one after filing for bankruptcy without having to wait to be discharged.
Refer a friend program
Refer a friend today
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How our referral program works
Refer a friend
Recommend Birchwood Credit to someone you know using the form above
Apply and get approved
Your friend or family member can apply for auto lending through Birchwood Credit
Earn your reward
Upon their successful purchase of a vehicle, you receive $500!
Share an experience
Refer friends, family and co-workers to auto lending from Birchwood Credit
A different way to drive
We help clients from all financial situations get approved for auto lending
A great experience for all
Birchwood Credit proudly maintains a 4.9/5 ⭐️ rating from 2000+ customers
A wide variety of options
We are happy to offer a range of brands from Honda to Ford to Hyundai
Uncapped rewards
Receive a $500 referral reward for every completed purchase you refer
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
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
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
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
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
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
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
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 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 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’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
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
Questions? We've got answers
If I declare bankruptcy, how long before I can get credit?
How long does it take and when will I know if I’m approved for financing?
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.
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.
How are my car loan payments calculated?
Your monthly payments will be calculated based on the size of your loan, the interest rate and the length of your term. Try our car loan calculator to learn more.
What credit score is needed for a car loan?
In Canada, credit scores range from 300 (less than perfect) to 900 (excellent). If you have a score of 620 or higher you have average credit or better and will likely be approved for a car loan wherever you go. Lower than that likely means you’ll have a harder time getting a car loan from a traditional lender, like a bank.
While we do check credit scores at Birchwood Credit Solutions, we also look beyond the three-digit number. We take your whole financial situation into account and have the expertise to help with all kinds of credit challenges.
Apply for your auto loan
Applying for vehicle lending shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than three minutes. Get started now!
