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

The Best Car & SUV Lease Deals in Winnipeg

If you need to lease a car in Winnipeg, you may be wondering which dealership is the best choice. Learn why Birchwood is the best option when you need a car lease in Winnipeg.  IN THIS POST, WE COVER: What a car lease is Benefits of leasing vs. buying Why Birchwood is the best place […]

Used Jeeps Winnipeg: Inventory & Buyers Guide

If you’re interested in the best used Jeeps Winnipeg has to offer, having a buying guide can help. Learn which used Jeeps are the best buys for Winnipeg drivers and what you need to know before making a purchase.  IN THIS POST, WE COVER: The best used Jeeps in Winnipeg Why buy used vs. new […]

How Long Do Winter Tires Last?

If you drive on Canadian roads, you know how changeable the seasons can be when it comes to driving conditions. When buying your first car or your next car, one of your biggest questions might be: how long do winter tires last? It’s important to know the answer because driving on winter tires that are […]

Trade-In Value In Canada: How to Maximize Your Trade-In

If you’re planning to upgrade your vehicle, you might be wondering about your trade-in value. Learn how to get the most trade-in value Canadian car dealers have to offer.  IN THIS POST, WE COVER: What is trade-in value? How is trade-in value measured? How do I estimate my car’s trade-in value? How to get the […]

Learn How To Remove Collections From Your Credit Report In Canada

Many of us face unfortunate situations in our lives that prevent us from being able to pay all of our bills on time—job loss, divorce, etc. When these things happen, it causes stress for many reasons and it’s completely normal for Canadians to worry about the impact that late or missed payments will have on […]

MPI Tire Program: How to Get Started

Purchasing winter tires is something you can’t skip when navigating snowy or icy roads in Canada. The MPI Winter Tire Program is designed to provide some financial relief to help make the cost of replacing winter tires easier on your wallet.  IN THIS POST, WE COVER: What is the MPI Winter Tire Program? How does […]

Lease Takeover Canada: How They Work

If you’re looking for your next car, a lease takeover is one option you might not have considered. Lease takeovers can potentially save you money but it’s important to understand how they work. This guide explains the details of lease takeovers in Canada.  IN THIS POST, WE COVER: What is a lease takeover and how […]

Best Minivan in Canada: Reviews, Rankings and Photos

Finding the best minivan is important if you’re looking for a family vehicle that’s reliable, safe and affordable. Our minivan comparison can help you find the right minivan for your needs and budget.  new or used minivan might be your family vehicle of choice if you spend a lot of time driving kids to activities, […]

Best Luxury SUV in Canada: Ranked and Reviewed

Finding the best luxury SUV may be important to you when purchasing a new or used vehicle. We review the best luxury SUV options for Canadian drivers.  An SUV may be preferable to a sedan or truck if you have a family or just want a little more space from a vehicle. If you have […]

Best AWD Cars: Reviews, Pricing and More

Looking for the best AWD cars? All-wheel drive is an important feature to have if you want a vehicle that can handle a variety of road conditions. In this guide, we explore the best AWD vehicles to buy now.  All-wheel drive vehicles are designed to help you gain traction on the road when driving in […]

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

Graph Icon
For those with late or missed payments or with no credit

First time applicants

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

Divorce

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

Car loan after bankruptcy

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

Newcomers and first-time buyers

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

Consumer Proposal

Graph Icon
For applicants who are in a repayment agreement with creditors

Slow, late or missed payment history

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

Poor credit due to unexpected events

Reload Icon
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.