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How to Finance a Used Car in Canada

If you’ve found the new-to-you car of your dreams but don’t have the cash to pay for it in full, financing is the solution. In this post we’ll go over everything you need to know so you can secure the right kind of auto financing for your vehicle and your bottom line. How car financing […]

How to Get a Car Loan on Disability Support

Every province has a financial support program for residents living with mental and physical disabilities. If some or all of your income comes from a disability support program, it’s still possible to secure a car loan — it just requires a bit more work. In this post we’ll explain how to get a car loan […]

How to Get Out of a Car Loan Explained

Life changes quickly and there are many reasons you might want to get out of your current car loan. Maybe you need a new car because your family is growing or you’d like to downsize to a vehicle that’s more fuel efficient. It’s also not uncommon to become overwhelmed with your loan payments because of […]

Negative Equity on a Car Loan: What to Do

Negative equity means that you owe more money on your car loan than the vehicle itself is worth. This is also referred to as being “upside down” on a loan and it can have an impact on your ability to sell or trade-in your car for a new one.  Keep reading for everything you need to […]

Refinancing a Car Loan: How Does It Work?

Have you obtained a car loan at some point in the past? Are you having difficulty making the repayments? Or do you simply feel that the interest rate is too high? Refinancing a car loan could, in the long run, save you a significant amount of money. When you refinance, you substitute your current loan […]

How to Get a Car Loan as a Student

Most college students like you need reliable transportation to get from A to B, and that might mean that a student car loan is another financial obligation you have to put up with. Fear not. There is light at the end of the tunnel! Even with no credit history, getting approved for a bad credit […]

Car Finance for Students: 4 Steps to Getting Approved

Students face many challenges trying to secure car finance. However, now more than ever, there are alternatives for students who need to prove their creditworthiness without a large income or credit history. By researching your options before applying, it is possible to get approved for a car loan as a student. How to get car […]

How to Get a Car Loan After Bankruptcy

Sometimes serious financial setbacks happen and sometimes bankruptcy is the best way forward. Life keeps going and, for most folks, a vehicle is an essential part of that process. When you file for bankruptcy, you are essentially wiping out your debts, as well as your credit score and history. The positive news is that getting […]

6 Best Car Buying Sites in Canada

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 Canadian car buying sites. Best Car Buying Sites Canada Auto Trader The gold standard for buying and selling used cars, this site boasts extensive Canada-wide listings for […]

The 5 Most Popular Cars in Canada in 2016

Each year, the cream of the auto industry rises to the top, revealing the most popular cars in Canada. Whether it’s about performance, technology, fuel economy, looks, or a combination of factors, these cars have proven themselves popular for good reason. We’ve taken a glance at 2016’s most popular cars in Canada in each vehicle […]

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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!

Ready to Apply?

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