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Top 12 Best Car Buying Apps in Canada in 2019

Everyone has a smartphone in their pocket these days, and developers are busy creating apps for all of our wants and needs. Are you wondering what to cook for dinner tonight? There’s a recipe app for that. Interested in getting more fit? There’s a workout app for that. Not surprisingly, car buyers also have a […]

What is the Average Price of a Car in Canada in 2019?

Over the last few years, the average price of both a new and used vehicle has been steadily increasing across all manufacturers. Though the increase has been small, it does make a difference when it comes to determining what’s considered affordable especially with the average price of a car in Canada price exceeding most Canadians’ […]

Top 10 Best SUVs to Buy in Canada in 2019

SUVs and crossovers have taken over the Canadian market, earning their spot as the most popular vehicles. But with every manufacturer offering an SUV of some sort these days, which one do you choose? We’ve done the research for best suvs to buy in Canada. According to the Consumer Reports Buying Guide, SUVs have gained […]

Top 10 Most Fuel Efficient Vehicles in Canada in 2019

As climate change has become a growing topic of concern, we’re seeing more and more customers inquire about the most fuel efficient cars in Canada. Manufacturers are noticing the trend too, and in recent years, more hybrid and electric cars have been hitting the market. The conversation of fuel-efficiency isn’t only for those passionate about […]

6 Best Car Buying Sites in Canada in 2019

Are you looking to buy a new (or new-to-you) car? Filter out the noise and start your search on the right foot by visiting some of these helpful and easy-to-use best car buying sites Canada. Best Car Buying Sites Canada Auto Trader The gold standard for buying and selling used cars, this site boasts extensive […]

​How Can I Raise My Credit Score in 30 Days?

While long-term credit repair doesn’t happen overnight, you might be asking how can I raise my credit score in 30 days?   In this post, we cover:   Check your credit report Correct any errors Pay off outstanding balances Raise your credit limit Become an authorized user How to raise your credit score fast   […]

​What Is the Minimum Income for a Car Loan?

When you have bad credit, your income plays a major role in whether or not you qualify for a car loan. A steady income that meets the minimum requirement of your lender will be a boost for your application. But what is the minimum income for a car loan?   In this post, we cover: […]

Is 84-Month Auto Loan Financing a Good Idea

On the surface, a long loan seems like a great idea but those perks don’t always make great financial sense. In this post, we’re discussing the logistics surrounding a 84-month auto loan, which more and more Canadians are opting for.   In this post, we cover: Pros of an 84-month auto loan Cons of an 84-month […]

What Can Be Used as Proof of Income for a Car Loan

No matter how you make your money, documents of proof of income for a car loan can help you get approved. This is especially true for those with a low credit score. In this post, we cover: Why do you need proof of income? What are auto loan requirements for income verification? What employment information will I […]

What is the Average Interest Rate for a Car Loan with Bad Credit?

Your credit standing plays a role in nearly every part of applying for a car loan, but it has the biggest impact on your interest rate. With a bad credit score you could wind up paying a lot more on your car loan.   How does credit score affect interest rate? Interest is what lenders […]

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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!

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Start your financing application now and get instant pre-approval.