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Avoid These 6 Things To Retain Your Car’s Value

When it’s time to buy a new car, the first step often involves selling your current vehicle. To ensure you get top dollar for it, it’s important to do things to retain your car’s value – and avoid things that can decrease it. Want to ensure you get the most for your current vehicle when […]

20 Of Our Most Frequently Asked Questions

Whether you’re shopping for a new vehicle, looking to rebuild your credit, navigating the car loan process or all of the above – we’re ready to answer your questions! You can rely on us here at Birchwood Credit to help make your purchasing and financing decisions as easy as possible. We have the expertise and […]

(Financial) New Year’s Resolutions

New year, new financial goals! As 2023 has now come to an end, many of us feel like we need to catch our breath after another year of high inflation and skyrocketing interest rates. One way we can do this is to start January off with some helpful financial New Year’s resolutions. Resolutions have been […]

How To Prevent Your Car From Fogging Up

Foggy car windshields – a common winter problem for many of us! Have you ever been driving when your windshield fogs up, so you put the defroster on blast? Many times the fog goes away, only to return again a few minutes later. Or maybe your side windows fog up, so you roll down the […]

What Do You Need To Get A Car Loan In Canada?

Are you currently in the process of buying a car? Are you finding it confusing or frustrating – maybe both? If so, just know this feeling is very common! Not only is buying a car a big financial commitment but figuring out the financing piece of the puzzle can feel daunting. If you’re wondering about […]

How Long Can I Wait To Get An Oil Change, Really?

It’s happened to all of us. A dashboard light is illuminated while you’re driving, letting you know it’s time to get an oil change. It’s common knowledge that getting your oil changed is an important thing to do for our vehicles… but have you ever wondered how often you really need to get it done? […]

6 Cars with the Best Resale Value

When buying a vehicle, the cost of depreciation is often overlooked by most people. It’s an important component to consider during the car-buying process to ensure a good return on investment. By understanding your vehicle’s resale value, you will be better prepared to know whether trading in your car or putting it up for sale […]

11 Ways To Save Money On Gas

Gas prices have always fluctuated, but we’ve seen them reach all-time heights in recent years. Unfortunately, gas prices are out of our control – but saving money when filling up is something you can take into your own hands. Instead of lining up at the pumps when prices drop, try incorporating these 11 helpful tips […]

The Best Time to Change Your Winter Tires (And Why)

Another Manitoba winter is coming – the sun sets earlier, the air is frosty and your car feels like an ice box when you start it each morning. During this long and cold season, it’s essential to think about road safety – which means thinking about your car tires. Winter tires provide grip and control […]

End of Summer/Fall Festivals to Explore in Manitoba

The end of summer doesn’t mean the end of festival season here in Manitoba! When it comes to fall activities and festivals to explore, our province has so much to offer. If you’re looking for ways to make the most of this beautiful season, here are 6 events to check out. CULTURE DAYS When: September […]

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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.