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Is 0% Car Financing A Good Deal?

Zero percent financing can make your loan costs lower when buying a new or used car. Learn the 10 best cars you can buy now in Canada with a zero percent financing deal.  When buying a new or used car with financing, one important number to hone in on is your car loan annual percentage […]

The Best Family Cars of 2025: Safe, Reliable & Perfect for Winnipeg Families

The truth is, every family is different. Choosing the right car for your family means finding the perfect balance between space, safety, affordability and fuel efficiency. Whether you’re navigating icy roads, loading up for a weekend at the lake, or just handling daily school runs, your vehicle needs to be versatile and reliable. For 2025, […]

Top 10 Most Fuel-Efficient Trucks Of 2024/25

The heavier the vehicle the more fuel is needed to propel it forward. Because of this, pickup trucks generally underperform against small cars and compact SUVs in the fuel efficiency category. If you’re shopping for a truck, you’re probably willing to compromise on mileage for the ability to haul cargo and tow heavy loads. That […]

12 Best Used Cars Under $15,000 to Buy in Canada

When buying a used car, finding a vehicle that fits your budget may be one of your biggest concerns. If you’re looking for the best used cars under $15,000, there are a number of options available.  Purchasing a new-to-you car means doing a certain amount of research beforehand. You want to find a vehicle that’s […]

8 Quick Day Trips From Winnipeg

Winnipeg is surrounded by incredible destinations perfect for quick day trips. Whether you’re looking for nature, history, or unique experiences, there’s no shortage of exciting options within a few hours’ drive. Pack your bag, grab some snacks, and set off on an adventure to one of these eight must-visit spots: At A Glance Spirit Sands […]

How To Buy A Car in Canada

Are you buying a car in Canada? There’s a lot to consider, and a seemingly endless amount of options to sort through. We’ve broken down the process into seven simple steps to help get you from the starting line to the driver’s seat. Key Takeaways Determine Your Budget: Assess how much you can afford, keeping […]

Is Now the Time to Refinance Your Car Loan?

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? With the new year upon us and interest rates on the decline, it may be time to refinance your existing car loan – and […]

Current Car Loan Rates In Canada

When financing a new or used car purchase, getting a good interest rate is important for saving money. Researching current car loan rates in Canada can help you compare financing and car-buying options to get the best deal possible.  IN THIS GUIDE, WE COVER: Current car loan rates in Canada How rates vary by lender […]

How to Safely Boost Your Vehicle’s Battery

When the temperature plunges, car batteries unfortunately lose their strength. Manitoban winter nights can drop to -40°C, leading to significant power drains. When your car battery is weak or dead, your car won’t start. Although there are other reasons you may need to jump-start your ride (such as dirty spark plugs or clogged fuel lines), […]

6 Cars with the Best Resale Value

One of the most overlooked costs that comes with buying a vehicle is the cost of depreciation. It’s a key component to making sure you get a better return on investment. Understanding your vehicle’s resale value prepares you to know whether trading it in or selling is the better option. According to the Canadian Black […]

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.