Finding a new ride is easy when you have the cheat codes! From calculating loans to finding the right ride, these hacks will have you off on your next adventure in no time.
Choosing the right vehicle
1. Establish Budget
Trying to find a vehicle without knowing your budget is like browsing shoes that aren’t your size. The selection can be overwhelming, and when you find one you like, it might not be within the price range that fits your budget. That’s why we make it easy for anyone to estimate their budget early in the process.
If you want a quick, rule-of-thumb estimate, experiment with our Car Loan Calculator. By adjusting the cost of the vehicle, loan duration, and credit score estimate, you can get an idea of monthly, weekly and bi-weekly payment options.
Although credit is factored in with this tool, remember that Birchwood Credit doesn’t put as much weight into your credit score as other lenders. We review your entire financial situation to create a payment plan that fits your budget because we know you’re more than a score. Unsure of your score? Check out our Secure Credit Check.
Ready for a more accurate payment plan? Begin your application for a pre-approved auto loan!
In just a few simple steps, we’ll gather a small amount of information about you and your finances to offer you a tailored loan offer. Since we offer Bad Credit Car Loans, you don’t need to worry about getting approved. We understand everyone’s situation is different—and we’re here to help.
How do auto loans work? Glad you asked!
When you make a down payment (we recommend 10–20% of the vehicle’s price) at the beginning of your loan, the remaining amount is the principal. The cost of your payments covers this principal and interest, which is the cost of borrowing money. With our loans, the interest is a fixed rate, which makes it easy to estimate payments so that you can budget better. Since we believe in evaluating beyond your credit score, we offer affordable interest rates to everybody. How’s that for a 1-up?
If you have questions about these terms, how you can budget, or how to improve your credit, feel free to reach out to one of our Credit Experts!
2. Review Lifestyle
Once you have a budget in mind, you’ll need to determine which kind of ride is right for you. With our variety of trucks, cars, vans and SUVs, there’s really something for everybody!
Here are some questions you may want to consider:
• Will this ride transport just me, or more people? A whole family?
• Am I going to use the car for work and/or soccer practice, etc? If you or your family members play sports, consider the space those bags can take up!
• Do I need to have room to park in tight spots, like in Downtown Winnipeg?
• Does my ride need to travel on slushy dirt roads, especially during cold and wet seasons?
3. Take Your Pick
When you know your budget and have an idea of how you’ll use your new vehicle, you’re ready for the next step! You can receive one-on-one consultations with our team where we can show you options that are a perfect fit. If you want, you can think of us as matchmakers between you and your next vehicle. Our goal is to have you off the lot, confident in your new ride.
If you’d like to get a peek at some of our inventory ahead of time, feel free to browse the models on our website!
What’s This? More Cheat Codes?!
Good timing! Anyone who purchases a new vehicle with us from April 10 to June 30, 2023 will be automatically entered to win one of three $1,000 giveaways!
Even if you don’t win the $1,000, you’ll still be a winner and unlock one of the following instant prizes:
○ 5 x $100 for Luxe BBQ
○ 5 x $100 in outdoor goods gift cards
○ 30 x $100 gas gift cards
○ 10 x $100 cash
There are no game-overs with these cheat codes! We hope these resources have made you feel more confident in your journey and if you have any questions, we’re always happy to help!