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

Do’s and Don’ts to Save Money on Gas

Gas is expensive! This is a well-known fact for us Canadians. And gas prices also fluctuate constantly. One day, you’ll see a lineup of cars at the gas station to fill up their tanks with a lower price – and the next day, it might feel like you need to get a second job just […]

Get Your Vehicle Ready for Summer Driving

May Long Weekend is coming soon, which means warm-weather adventures and road trips are also on the horizon. Is your vehicle ready? If you’re planning on hitting the highway, it’s important to take some simple measures to ensure trouble-free driving in the months ahead. Keep reading for an easy checklist to follow! GET YOUR TIRES […]

The Real Truth About Subprime Auto Financing

The process of buying a new vehicle can sometimes be a bittersweet experience. Have you ever dreamt about your perfect car, only to have your budget or credit score snap you back to reality? That’s where a car loan and financing can help make your vehicle dreams come true, specifically with a subprime lender. Subprime […]

Buying a Vehicle? Consider Paying Off Debt First

Have you been thinking about buying a car, truck or SUV? While the thought is exciting, it’s also important to consider if you should pay off your debts before taking the big leap of becoming a vehicle owner. If you’re wondering where to start with paying off debt, you’re not alone. It can be tough […]

Spring Clean Your Ride: An 8-Step Guide

As Manitobans, we often take a look at our car once winter is over and wonder how it got so darn filthy! Winter is extremely hard on our vehicles. Whether it’s salt buildup, snow and ice or muddy boots, the season takes a big toll on our cars. That’s why spring is the perfect time […]

A Newcomer’s Guide to Buying a Car in Canada

Buying a car in a new country can be overwhelming – from paperwork to pre-approvals to credit checks. We wanted to make things easy if you are a newcomer trying to navigate the Canadian car-buying market. This guide will give you information on budgeting, how to build your credit, documents to gather and more. BUYING […]

When to Switch to Summer Tires

Spring is almost here – and you might be wondering when you should be taking your winter tires off. There always seems to be a bit of confusion around when the best time is to take them off. Is it based on a certain date? Or a specific temperature? Here in Manitoba, winter conditions and […]

8 Ways To Optimize Your Tax Return

It’s that wonderful time of year again! Tax season is here. The paperwork and documents might feel stressful right now, but why not focus on the exciting result on the other side? Your potential tax return! There are multiple ways to optimize your tax return to ensure you get as much back as possible. We’ve […]

Navigating Seasonal Trends: How Winter Impacts Car Financing

If you’ve been dreaming about buying a new car, you might picture yourself driving it off the lot and into the sunset on a warm summer evening. While this might seem like the dream scenario, financing a vehicle in the dead of winter instead could have more advantages than you think. Your chances of securing […]

Unlocking Value: The Advantages of Financing a Used Car

If you’re struggling to decide if you should finance a used car or not, here’s the good news! Not only is financing a great way to get behind the wheel of a used car you love quickly, but there are many other advantages to be excited about. A lot of people are not in a […]

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.