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

12 Best Small and Compact Cars in 2019

Small and compact cars can offer fuel efficiency and affordability. But what are the best small and compact cards to buy in 2019? We’ve done the research and come up with a top 12 list.  Small and compact cars may appeal to cost-conscious buyers looking for a reliable way to get around. What is the […]

What Is A Lien? How To Check For A Lien On A Vehicle

Checking for outstanding liens is important when buying or selling a vehicle because it’s pretty common for a car to have one in Canada. If you aren’t aware of a lien before you purchase a car, you could end up being responsible for rectifying it. To ensure you’re making informed decisions when buying a used […]

Torque Vs. Horsepower

There are five key differences between torque and horsepower to know if you’re buying a new or used car. This guide highlights how to tell torque and horsepower apart and why they matter for your next vehicle purchase. When you’re buying a new or used vehicle, you’ll likely want to take a look at what’s […]

How to Budget for Car Maintenance & 7 Maintenance Tips

It’s no secret that owning a vehicle is a big expense. While most people make room in their budget for monthly insurance fees and the ever-increasing price of gas, regular maintenance is often forgotten about. Budgeting for preventative vehicle care means you’ll be able to catch issues early and save yourself some money in the […]

How Does All Wheel Drive Work?

When researching new or used vehicles, all wheel drive is a feature you may see highlighted. But how does all wheel drive work? Learn what it is and how it may affect your car-buying decision. IN THIS GUIDE, WE COVER: What is all wheel drive All wheel vs. four wheel drive The pros of all […]

How Can Someone With Bad Credit Get a Loan?

When you have bad credit, getting a loan might seem impossible. There are, however, some things you can do to get a loan with bad credit.  How to Get a Loan With Bad Credit Bad credit isn’t the end of the world. When you need to borrow money and you have a less than perfect […]

Is a Credit Score of 550 Bad?

A credit score of 550 isn’t great but it doesn’t necessarily mean you can’t get credit or loans. Learn how credit score ranges work in Canada and what a 550 credit score means.  Key Takeaways A 550 credit score is considered poor, making it difficult to qualify for loans, credit cards, or favourable interest rates. […]

Can I Get a Loan With No Credit Check?

When applying for a loan, lenders may review your credit. Learn whether it’s possible to get a loan with no credit check. IN THIS POST, WE COVER: Can you get loans with no credit check? Why lenders need to check your credit score Why you should avoid no credit check loans What you’ll need to […]

How Can I Get a $5,000 Car Loan With No Credit?

If you need a $5,000 car loan and have no credit, learn how you can get approved to make your next new or used vehicle purchase.  How to Get a $5,000 Car Loan With No Credit When buying a car, it’s important to set your budget early on. Planning for a $5,000 car loan may […]

Can You Get a Loan With a Credit Score of 580?

If you have a 580 credit score you may be wondering if it’s possible to get a loan. Learn whether you can get a loan with a credit score of 580 and how to do it. IN THIS POST, WE COVER: Can you get a loan with fair or poor credit? How lenders use credit […]

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.