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

How to Raise Your Credit Score in 30 Days

While long-term credit repair doesn’t happen overnight, you might be asking how you can raise your credit score in 30 days. It IS possible! The sooner you start working on your credit score, the faster you’ll see results. There are steps you can take that can have a fast and positive impact on your credit […]

Car Research Tools: Best Car Apps and Websites in Canada

Looking to buy a new (or new-to-you) car? It can feel overwhelming trying to figure out where to start on your search. Filter out the noise and start your car search on the right foot by visiting some of these helpful and easy-to-use Canadian car-selling sites and car-buying apps. Car buyers have a lot of […]

Unexpected Winter Vehicle Expenses

Winter can be a magical time of year, full of holiday fun, gifts and events – which also makes it one of the most expensive seasons. Unexpected vehicle expenses can be hard to cope with when you’re already strapped for cash. If you own a car, making a budget for seasonal car expenses can help […]

Best Time to Buy a Vehicle in Canada

Believe it or not, the time of year (and even the time of day!) can make a big difference in how much you pay for a new vehicle. While there is technically never a bad time to buy a car in Canada, there are some specific times when you may see reductions in vehicle prices. […]

When and How to Change Your Winter Tires

Welcome to another winter in Manitoba! Before you hit the road in that warmed-up vehicle, it’s a good idea to think about road safety during the longest (and coldest) of seasons. With frigid temperatures and icy driving conditions, winter tires enable Manitoban drivers to have better control throughout the season. People often ask: When should […]

The Most Affordable All Wheel Drive Vehicles in Canada

If you live in Manitoba, you know the extremes of our winters and how they affect our decision making when it comes to purchasing a vehicle. It’s important to narrow down your vehicle search to ones that will be able to withstand our most harshest weather conditions. This blog will hopefully make your decision an […]

Best Budgeting Apps for Canadians

The popularity of Canadian budgeting apps has been on the rise over the past decade and have evolved to serve diverse financial situations and goals. Using a budgeting app can help you organize your finances in one place including paying bills, tracking expenses, paying off debt and saving for the future. We’ve gathered the 5 […]

To Lease or Not to Lease a Vehicle?

To lease or not to lease a vehicle? That is the question. Unfortunately, there isn’t one clear answer! Everyone has different vehicle preferences and needs – and there are pros and cons to both leasing and buying. You’ll want to ask yourself if it’s important to have a new vehicle every few years, or if […]

Is it Time to Consider Buying an Electric Vehicle?

Electric vehicles (EVs) are growing more and more popular as each year goes by. Are you someone who is wondering if now is the time to invest in one for yourself or if you should wait for future technology advancements and upgrades? There are definitely compelling reasons and benefits to buying an electric vehicle in […]

How Car Loan Interest Rates are Calculated

With inflation rates declining, car loan interest rates are being affected. Keep reading to learn how interest rates are calculated, how changes in inflation impact car loan rates and what this all means if you are looking to purchase a vehicle in the near future. HOW ARE CAR LOAN RATES CALCULATED IN CANADA? In Canada, […]

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.