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Buying a Used Car: Private Seller or Dealer?

A vehicle is a big purchase! When you take the step to purchase one, it’s important to know you’re buying from someone trustworthy. If you’re looking for a used vehicle, you have two main buying options: dealerships and private sellers. If you’re on a tight budget, you may get a better deal with a private […]

How to Buy a Car as a Student in Manitoba

Classes begin soon! As a student (especially if you live in ice-cold Winterpeg), you will most likely rely on some type of transportation to get you to and from campus. You may be dreaming of a vehicle to help you get to class on time – and how much fun you could have on your […]

Best Car-Buying Apps in Canada

Looking to buy a new (or new-to-you) vehicle? Car buyers have a lot of resources at their fingertips to help them in their search for a new set of wheels. Whether you’re looking for a new or used vehicle, apps can provide access to private seller and dealership listings, as well as tools for researching […]

Take in Manitoba’s Festival Scene This August!

Summer might be halfway over, but there are still plenty of opportunities to get out and enjoy all Manitoba has to offer! There are several festivals this August you won’t want to miss. Plan a day trip or weekend getaway and create your own fun festival experience – from music to food to culture, there’s […]

Bad Credit but Need a New Ride? Here’s What to Do.

We know how frustrating car shopping can be when you have bad credit. At the financing step, does your credit cause denied loans and your dreams of a new ride disappear? Are you a newcomer or first-time buyer that has spent weeks inquiring with not much to show for your effort? If you’re an individual […]

Budgeting for a New Car: Where Do I Start?

While the thrill of a new ride is tempting, it often comes at a high cost. And unfortunately many people don’t properly plan ahead or understand exactly how much they can spend on a vehicle. In this blog, we’ll give you some pointers and practical tips to help you budget for a new car. Proper […]

Three Summer Day Trip Adventures

Summer is here, which means it’s time for day trips to escape the city and enjoy the beautiful weather! There are so many adventures to be had within a short drive from Winnipeg. Whether you’re into nature or learning a bit of history, there’s something for everyone. Keep reading to learn about some Manitoba day […]

Thinking About Trading In Your Vehicle? Get in the Know.

If you’re dreaming of that new car smell but a brand new vehicle isn’t in your budget right now, maybe it’s time to think about a trade-in! What is a trade-in? The process is actually quite simple. You bring in your used vehicle, a dealership evaluates what it’s worth and then you’re offered a sum […]

It’s Car Show Season!

If you’re a car lover, car show season is likely one of your favourite times of the year! From dynamic sports cars to rare vintage models, there is something for everyone this summer. If you’re ready to plan your car show season and learn more about their dates, locations and prices – keep on reading. […]

Understanding your Credit Score and Why it Matters

Your credit score is the key to better borrowing power and a healthier financial outlook. That’s why at Birchwood Credit, we do everything we can to help you understand your credit – what it is, how it’s determined and why it matters so much. We also want to guide you through some simple steps that […]

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.