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

Top 10 Longest Lasting Cars On The Road

There are numerous factors to think about when it comes to purchasing a vehicle. Colour, model and fuel mileage are only a few of the many things to consider. But what about how long you’ll be able to drive your vehicle for? It’s an important aspect that can ultimately save you money down the road. […]

How Does Cosigning a Car Loan Work?

While getting a car loan is common practice, a bad credit score can complicate the process. If you don’t have time to build or improve your credit score before you buy a car — whether your new out-of-town job starts next week or you need room for a new car seat in a few short […]

3 Questions to Ask When Buying a Used Car From a Dealer

Buying a car is a big, exciting and important purchase. For those who are looking to buy a starter car, stay budget savvy or have a less-than-perfect credit score, a pre-owned vehicle is a great option. When you’re at the stage where you’re ready to start seriously looking for a car and going for a […]

Buying A Used Car From A Car Dealership Vs. A Private Seller

There are two ways to buy a car in Canada: through an established dealership or a private seller. Dealerships sell both new and used vehicles and operate under a defined set of rules and regulations. A private seller is someone who is selling their pre-owned vehicle outside of official channels. Both options have their own […]

How to Buy a Car in Manitoba as a New Immigrant

Whether you’ve just arrived in Manitoba, or plan to do so soon, getting a car is a necessary step to ensure reliable transportation. A car is definitely a helpful way to get yourself and your family to and from work, school, and on longer trips that may not be well suited to public transportation. We […]

6 Tips for Negotiating a Low Car Loan Interest Rate

Buying a car is a big financial commitment — especially if you have to take on a car loan to make the purchase happen. The good news is you don’t have to be an accountant to make sure you’re getting the best auto financing agreement from your dealership or lender. The vast majority of people […]

What You Need to Buy a Used Car in Manitoba

Ready to buy a used car, but don’t know where to start? Before you visit your local dealership or start flipping through online classified ads, you should make sure you have all the necessary car-buying documents in order. In this post, we’ll take you through all the things you need to apply for auto financing […]

How to Get a Car Loan After Repossession

In 2016, over 857,000 motor vehicles were registered in Manitoba. That’s more vehicles than the population of Winnipeg! Reliable transportation is critical for getting you to and from work, getting your family from point A to point B, and general ease of daily life. Although there are many cars on the roads, not all drivers […]

How to Get a Car Loan During or After Consumer Proposal

Overwhelming debt is unfortunately a fact of life with over 125,000 Canadians filing for bankruptcy or opting for consumer proposal in 2016. What is Consumer Proposal? Consumer proposal is a legal agreement created by a bankruptcy trustee with creditors to consolidate debt. This alternative to bankruptcy restructures debt, so it’s more manageable to pay down, […]

The 10 Best Cars to Buy in Canada

From price to safety rating to style to tech features, there’s a lot to think about when buying a new car in 2018. Automakers are constantly reinventing the wheel (pardon the pun), and that means higher quality vehicles are available to consumers year-after-year. With so many new cars on the market, it’s hard to figure […]

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.