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Everything You Need To Know About Changing Your Tires

It’s getting warmer again—finally! Pretty soon spring will be in full swing. With future flowers and busy bees come big questions: When do I take off my winter tires? How do I take them off? Should I use summer or all-season tires?… Let’s answer all those and more below! WHY CHANGING TIRES IS IMPORTANT Winter […]

How to Boost Your Vehicle (When The Winter Cold Strikes)

When your car battery is weak or dead, your car won’t start. Although there are other reasons you may need to jump-start your ride (such as dirty spark plugs or clogged fuel lines), the battery is the most common. Cold weather drains car batteries. Did you know that at 0°C, car batteries tend to lose […]

Is an All Wheel Drive vehicle worth it in Manitoba?

The process of buying a new vehicle can be very overwhelming. You are thrown into a decision-making frenzy: “What’s your budget?” “How often do you drive?” “Are you loyal to Toyota?”. It is hard to know the answer to all these questions, especially if you are going through this process for the first time.  You’re […]

10 Ways Immigrants Can Build Credit

If you’re a newcomer to Canada, your credit score is an extremely important piece of your financial puzzle – it’s one of the main determining factors evaluated when you want to make a major purchase. No matter what your credit score is, you’ll want to build credit so you can establish a positive financial history […]

How to buy a car in Manitoba as a Newcomer

Whether you’ve just arrived in Manitoba or plan to do so soon, there are likely a few big purchases you’ll make once you arrive. As in most places, you’ll need a loan to purchase a vehicle or a house – but maybe this is the first time you’ve been introduced to the terms “credit score” […]

Do I Need a Manitoba Driver License To Buy a Car?

There are many different reasons why someone would buy a car in Manitoba. And while it may seem unconventional, some people may want to buy a car without a license! But can you?  The shorter answer is yes, you can buy a car with no license. While you don’t need a license to make a […]

How To Buy a Car in Manitoba as a Student?

As a student (especially if you live in frigid Manitoba), chances are, you rely on some type of transportation to get you to and from campus. A vehicle may be an important piece of your education, helping you get to class on time and even have some fun while you take a break on your […]

How To Lease A Car in Manitoba?

Leases come with pros and cons and it’s important to know the facts before you dive head-first into such an important decision. If you’re considering leasing a car for the first time, you’ll need a little information about how it works. So what’s the difference between buying and leasing a vehicle? The answer is similar […]

Can You Lease A Car With Bad Credit In Canada?

Do you have less-than-perfect credit and want to upgrade your vehicle? Luckily, there are ways you can drive away in the car of your dreams regardless of your credit score! Leasing a vehicle is a great option if you don’t think you can get financed – and it might be cheaper, too! To help you get […]

Buying a Used Car: Private Seller or Dealership?

A vehicle is a big purchase and when you take that step, you’ll want to know you’re buying from someone trustworthy. If you’re looking for a used vehicle, you typically have two buying options: dealerships and private sellers.  How you plan to buy your car and pay for it are both important considerations that will […]

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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.