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

Our Inventory
Our Process

How it works

Discover what happens after you apply and how we guide you every step of the way.

In-house financing

We lend our own money, offering flexible approvals beyond your credit score.

Bad credit car loans

We help you get approved even with poor or no credit history.

Where we can help

From bankruptcy to job loss, we support real people in real situations.

Reviews

Every month, Canadians choose Birchwood Credit for fast approvals, flexible financing, and genuine support—no matter their credit history.
Our Team

Our Team

We help you get approved with financing that fits your life—not just your credit score.

Salter

1065 Salter Street
Winnipeg, Manitoba R2V 2E7

Nairn

768 Nairn Avenue
Winnipeg, Manitoba R2L 0X7

Portage

3965 Portage Avenue, Unit 20
Winnipeg, Manitoba R3K 2H7

Chevrier

1330 Chevrier Blvd
Winnipeg, Manitoba R3T 1Y5

Car loan calculator.

Estimate your monthly payments in seconds

Loan calculator

We’re here across all locations to offer flexible, in-house financing and personalized support—no matter your credit history.
Tools
Car loan calculator.

Estimate your weekly, bi‑weekly, or monthly payments based on your vehicle cost, loan term, and credit level—so you can budget easily.

Secure credit check.

Get a complimentary, secure credit report so you can see where your credit stands before applying.
Key features.

Weekly, bi-weekly, or monthly payment options

No down payment required

Instant credit check, no commitment

Personalized loan estimates based on your info
Resources

Frequently Asked Questions

Find answers to the most commonly asked questions about credit & the car loan process

Vehicle Service

Birchwood Credit is your trusted partner throughout your vehicle ownership journey, from purchase to upkeep and maintenance

Resource Articles

Browse blog articles to help navigate credit, the financing process, and more…

Contact us

We believe in clarity and transparency. Explore our policies to learn how we handle your information.
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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

For those with late or missed payments or with no credit

First time applicants

For clients who have never had a loan before and need to build credit

Divorce

For individuals facing divorce, unexpected events, or financial changes.

Car loan after bankruptcy

We help clients who are moving on from declaring bankruptcy to get approved for an auto loan

Newcomers and first-time buyers

Birchwood Credit provides auto financing to newcomers to Canada or first-time car buyers.

Consumer Proposal

For applicants who are in a repayment agreement with creditors

Slow, late or missed payment history

We provide auto loans to clients who have experienced issues with payments

Poor credit due to unexpected events

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.

Reviews