Banks and traditional financial institutions often have strict requirements when approving any loans because they want to guarantee their loan will be returned. Since we lend our own money, we’re able to offer more flexible payment plans and interest rates.
A special lending model that lets us do what we do
In-house financing from Birchwood Credit means that we make auto lending more accessible
Calculate your car loan based on your desired payment
Bad credit / no credit or consumer proposal
First time or new-to-Canada car loan
Consumer proposal, bankruptcy or reposession
Divorce or poor credit due to unexpected events
What is in-house financing?
In-house financing means the dealership (Birchwood Credit) has the ability to lend you money directly rather than going to a bank, credit union or other financial institution to finance your auto loan. It’s the reason that to us, you’re more than just a credit score.
Auto lending is provided directly by Birchwood Credit
We consider your entire financial situation, not just your credit
We’re able to provide approvals in unique financial situations
In-house financing vs. bank financing
Why does Birchwood Credit offer in-house financing for its clients?
Bank financing
Approval is based heavily on credit score
Limited flexibility on interest rates and payment terms
Process can be slower and involve different levels
Loan is managed by a third-party (bank/credit union)
Customers are often treated as numbers, not individuals
In-house financing
We lend our own money directly to you
More approvals, even with bad credit or no credit
Deal with one point of contact at Birchwood Credit
Lending decisions are made quickly and locally
Direct relationship with us for your entire loan duration
Does in-house financing impact model availability?
No! Birchwood Credit’s partnership with the 18 dealerships in the Birchwood Automotive Group means that we are able to offer a wide variety of different makes and models. Our clients drive off our lot in SUVs, minivans, trucks, sedans and hybrids from brands such as Toyota, Chevrolet, Dodge, Kia, and more.
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.
How do we use your personal information?
Secure technology
Our website is secured by modern data transmission technology, meaning you can trust our online application
Confidential handling
Once your application is received by a member of our team, your information is kept confidential
Trust and protection
Your trust matters. Your information is never used for any purpose other than your credit application
What sets us apart
Many non-prime dealers use a variety of sub-optimal approaches, such as forwarding your application to a third party. Birchwood Credit is different:
A trusted local team with decades of experience in Manitoba.
Personal solutions for every financial situation.
Direct approvals from our own lending.
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
5 Stars is just not enough for this Company! Simply saying “thank you” doesn’t feel sufficient for what this company and its employees did for us. They truly went above and beyond, and I cannot praise them enough.
Calvin S.
Winnipeg, MB
5.0
I have had the privilege to work with Ryan B. on 2 different occasions and each time Ryan has gone above and beyond the call of duty. Exceptional customer service and communication and provides the utmost respect.
Arvin S.
Winnipeg, MB
5.0
I’m truly grateful for the team at Birchwood Credit. Over the past five years, they’ve been instrumental in helping me repair my credit while driving some very nice cars.
Rob T.
Winnipeg, MB
5.0
Really great place to get you in a vehicle. I have gotten my past three vehicles there. They have always been helpful.
Ric G.
Winnipeg, MB
5.0
Karl and the entire team were really impressive and amazing. They provided the top of the service customer service. The whole process was very fast and unbelievable and got me into my desired vehicle without delay. Thank you Karl!
Ola O.
Winnipeg, MB
5.0
Awesome service from Palvinder on helping me obtain a new vehicle. Everything from the beginning to the end of my purchase experience was a very positive experience. Thank you very much Palvinder.
Lucinda G.
Winnipeg, MB
5.0
I had an amazing experience thanks to Kreg. He was very professional, patient, and kind — truly went above and beyond to help me. Kreg explained everything clearly, made the process easy and stress-free, and made me feel confident every step of the way.
Valerij S.
Winnipeg, MB
5.0
I am so thankful and grateful for the team at Birchwood Credit Solutions. In particular, Noy, for taking the time to get to know my background story to understand my goals and know why getting a vehicle was so important to me.
BreeAnne H.
Winnipeg, MB
5.0
If you are going through rough times and you currently went through bankruptcy or your car is coming to it’s final end, birchwood credit is definitely the place to go.
Aaron R.
Winnipeg, MB
5.0
I came in on a Thursday to look for a car. I left with an awesome VW On Saturday that same weekend. This is amazing considering my Credit following a nasty separation… absolutely amazing people.
Janelle R.
Winnipeg, MB
5.0
Colin went above and beyond our expectations and got us in a brand-new Nissan Qashqai. Would highly recommend you go if you’re in the market to get a vehicle! Thank you!!!
Kevin R.
Winnipeg, MB
5.0
We make auto financing easy with advice from our credit experts.
Josh D. V.
“When I’m reviewing your application
I’ll focus on your full financial picture—not just your credit score. That helps me create a realistic payment plan that suits your life.”
Palvinder J.
“I love being able to help my clients get into a reliable vehicle and also educate them on how to build their credit.”
Ryan B.
“We’re here to help and educate our clients about purchasing a vehicle. It can be stressful at times, but by providing a great experience, we can help our clients change their lives.”
Daniel P.
“I enjoy the opportunity to meet clients in a no-pressure environment to explain their current credit situation, rebuild their credit and help get their families to their destinations in a safe, reliable vehicle.”
Mike B.
“The best part of our job assisting our clients is when they tell me they never thought they would qualify to finance a good, reliable vehicle, and we’re able to find a way for Birchwood Credit to help.”
Chelsey D.S.
“When I’m reviewing your application
I’ll focus on your full financial picture—not just your credit score. That helps me create a realistic payment plan that suits your life.”
Questions? We've got answers
Why are Birchwood Credit’s car loan requirements different from my bank?
Do I need to provide my social insurance number in my online application?
We don’t need your SIN (social insurance number) to get started. However, you may be asked for your SIN later on in the process once you’ve been approved for financing.
How long does it take and when will I know if I’m approved for financing?
We usually have approvals within 24 to 48 hours of you filling out an application and will notify you through email and/or by phone. Once you have completed that application — either online, over the phone or in person — our Finance Managers will review your information and set up a time to meet with you.
What will the interest rate on my car loan be?
What will the interest rate on my car loan be? The interest rate you’ll pay depends on a number of factors, including your income, your credit score and the size of your loan.
How does the length of the car loan affect my payment?
The longer your loan, the smaller your monthly car payment. Just remember — you’ll end up paying more interest if you take out a longer loan.
Apply for auto financing
Getting a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than five minutes. Get started now!
