Bad Credit Car Loans Winnipeg

The easiest way to buy a car in Winnipeg with less than perfect credit

Bad credit car loans in Winnipeg made easy

A lot of people in Winnipeg just like you are wondering if they have a chance of qualifying for car loan if they have bad credit. The answer is an emphatic YES!

There are many qualified buyers in Winnipeg with poor credit or, in fact, no credit at all, who are taking to the wheel with the help of Birchwood Credit. What’s more, they’re enjoying a lot of the same benefits as buyers with good credit, such as pre-approval on their car loan.

What others do

Credit bureaus typically rate your credit score on a scale from 300 to 900, 300 being the worst score you can have and 900 being the best.

Lenders will typically look at your credit score to decide your creditworthiness, and it is the predominant factor in determining if you will be approved or not for a vehicle loan.

A low credit score will make being approved for a car loan in Winnipeg difficult because you will be viewed as a risk. If you’re looking for a new vehicle, having a lower credit score might make the process more difficult.

What we do

We take a different approach when looking at the creditworthiness of a potential customer. We look beyond your credit score score and focus on the entire financial picture and your unique situation.

Often customers will come to us with less than perfect credit scores, perhaps due to an incident in the past, but are still employed and have a good track record of making their payments.

This is why we believe that working with our team to review your financial situation is valuable as it will help us to decide an appropriate budget and payment together.

Bad credit? No problem.

Our in-house financing program allows for more flexible car loans, which means that more customers get approved, and more customers get driving.

Winnipeg bad credit car loans from a trusted brand name

We are one of the few companies in Winnipeg, MB that offer true in-house financing, not relying on outside brokers or lenders. We are part of the Birchwood family, representing 14 different brands and two collision repair centers. Your options for bad credit car loans in Manitoba are limited. If you decide to finance your new vehicle through us, you are dealing with a name you can trust.

Why we’re different

Our service is free, fully 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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