Bad Credit Car Loans

The easiest way to get a car loan with bad credit

Bad credit car loans in less than 3 minutes

At Birchwood Credit Solutions we specialize in bad credit car loans. Put simply, we help people who find themselves in a bad credit situation purchase a new vehicle.

As someone who may find themselves in a bad credit situation, it is going to be important to work with a company who understands credit challenges and can help you with your next car loan.

Shopping for a vehicle with bad credit can be a stressful and intimidating process and if you have previously been declined for a car loan, we can help. We specialize in bad credit car loans in Manitoba, and with our help, you could get approved and drive a new vehicle in next to no time.

Our process has been created to be easy and hassle-free—we have a simple online application that can be filled out in less than 3 minutes.  We don’t require your SIN to get started and the online application only asks you for contact details, place of residence and some basic employment information.

Once we have confirmed those details,  a member of our team will be in touch to help you shop our dealership inventory to ensure you drive away in your perfect vehicle. It’s that easy!

Why we look beyond your bad credit score

When it comes to deciding your creditworthiness, your credit score is the primary factor in determining whether you’ll be approved for a car loan. Credit agencies typically rate your credit score on a scale from 300 to 900 (300 being the worst score and 900 being the best). Having a less than perfect credit score can make getting approved for a car loan a mountainous task, especially if you’re looking for a new vehicle.

At Birchwood Credit Solutions, we do things differently. When deciding your creditworthiness, we look beyond your credit score.

Instead, we take each situation on its merits and focus on your unique set of circumstances. There could be numerous reasons why you may have been previously refused a car loan. Every day customers come to us looking for a first time car loan or want to know how to get a car loan with bad credit due to an incident in the past. They’re still employed and still have a good track record of making their payments.

We work with our team to review your financial situation and decide an appropriate budget and payment together. We even offer help, guidance and advice on how to repair your credit rating. Slow, late, or missed payment history? Past/current bankruptcy? Repossession? New to Canada? Whatever your credit situation, it need not stop you getting approved for a car loan. If you’re self-employed, have been refused elsewhere or even if you have ZERO credit history whatsoever, we’ll try to find the most affordable car finance for you.

Why Birchwood Credit for bad credit car loans

We’re understanding of all financial and credit circumstances, and will always try to secure you with the most suitable and appropriate car loan option. Our team members are friendly and approachable, and we understand that everyone’s credit situation is different.

We know how easy it is to become frustrated when you’ve been refused a car loan due to “bad credit”. There are a number of factors that can lead to a situation like this and sometimes it can happen through no fault of your own. You may be self-employed and so have no proof of income, or you may have no credit history at all. Sometimes you may have simply been a little late paying bills.

We are one of the few Winnipeg bad credit car loan providers that offers true in-house financing. This means we lend our own money, not relying on outside banks or lenders. Lending our money means more approvals, better repayment terms, and better rates.

What’s more, we’re part of the Birchwood family, representing 14 different brands and two collision repair centers. By deciding to finance your new vehicle through us, you are dealing with a trusted Winnipeg bad credit car dealer.

Why not benefit from our no-hassle bad credit car loan service today? Once approved our experienced team members are on hand to guide you through every step of the process.

Why we’re different

Our service is freefully secure, and you’re under no obligation. Here’s what makes us different:

  • Manitoba auto loans for cars, trucks, vans, and suv’s
  • Competitive rates
  • Quick approvals
  • Affordable payment terms
  • Car loans for bad credit / no credit
  • Tons of vehicle selection (14 dealerships)
  • Birchwood is a trusted Manitoban brand

We help all credit types

We have the experience and resources to help with all types of credit situations:

  • Slow, late or missed payment history
  • Car loans after bankruptcy
  • Consumer proposal
  • Repossession
  • New to Canada
  • Divorce
  • Low income
  • Orderly Payment of Debt
  • Poor credit due to unexpected events


Apply for your car loan

Applying for a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than 3 minutes. Get started now!


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