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What’s The Difference Between Crossover & SUV?

If you’ve ever shopped for a vehicle, you’ve probably heard the words crossover and SUV thrown around. While they look very similar, they’re actually not the same.  The main difference between a crossover versus an SUV is the way each vehicle is built. A crossover is built as one single piece – a unibody – […]

5 Advantages of Leasing a Vehicle

To lease or not to lease a vehicle? Unfortunately there isn’t one clear answer to this question! Everyone has different vehicle preferences and needs and like everything, there are pros and cons when you’re looking for a vehicle for lease. You’ll want to ask yourself if it’s important to you to have a new vehicle […]

Holiday Bonus Sweepstakes: You Could Win $5,000!

This holiday season, we want to spread joy and make your holidays even better! That’s why we created our Jingle All The Way Home Holiday Bonus Sweepstakes. When you purchase a vehicle before December 31, you’ll be entered to win $5,000 PLUS you’ll automatically take home a complimentary remote start!  Along with your chance to […]

7 Best SUVs For You To Lease

In the automotive world, leasing has become a far more popular option for people wanting to get into a new vehicle. In simplest terms, a lease allows you to drive a vehicle for a set period of time at a set monthly rate. You also typically get coverage for repairs during your lease but those […]

Best Used Pickup Trucks to Buy in Canada 2021

Everyone is different – we work different jobs, have different goals, eat different foods and drive different cars. And one of the most popular vehicles our customers are after is the truck.  If you’re looking to purchase a pickup truck for yourself, there’s a lot to consider. What will you be using it for? Do […]

Manitoba Lakes – Our Picks for the Best Lakes to Visit this Summer

A day on the water, cold drinks, delicious food and sunscreen in hand – can you think of a better way to spend a summer day? For us, there’s nothing we love more than just that. And lucky for Manitobans, the province has an abundance of lakes to offer.  If you’re trying to plan the […]

Fishing Season in Manitoba

Whether you grew up doing it with your family, or it’s something you’ve always wanted to try, fishing season is finally upon us in Manitoba. Anyone who has gone fishing can attest that there’s nothing like waking up early and driving to th e lake to spend the day on the water. Spending time with […]

Does Trading In A Car Hurt Your Credit?

Often, when people set out to purchase a new vehicle, they either don’t know about or haven’t considered a trade-in. If your credit isn’t where you want it to be but you’re in the market for a new vehicle, you can actually rebuild your credit score by trading in your current vehicle. In simplest terms, […]

Destination Birchwood: End of Summer Sales Event

Summer is coming to a close and Birchwood wanted to cap it off with a sale. The Destination Birchwood End of Summer Sales Event is on now until September 30!  Come experience better selection, better service and better prices on your upgraded ride.  Why make Birchwood your vehicle destination?  Your journey to better car buying […]

How Does Trading In A Vehicle Work?

Dreaming of that new car smell? We’ve all been there, though as much as we may want one, sometimes a brand new vehicle isn’t within our price range. That’s where a trade-in comes in handy. So what is a trade-in vehicle? The trade-in process is simple: you bring in your used vehicle, a dealership evaluates […]

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.