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
First time applicants
Divorce
Car loan after bankruptcy
Newcomers and first-time buyers
Consumer Proposal
Slow, late or missed payment history
Poor credit due to unexpected events
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!
- Quick online application - takes just 5 minutes
- No impact to your credit score for pre-approval
- Flexible terms designed for your budget
Ready to Apply?
Start your financing application now and get instant pre-approval.