Yes. Our business was started to help ensure that everyone, regardless of credit history, can have a good vehicle to get around in.
We ask for your contact details, place of residence, and some basic employment and income information. Unlike many other car loan services, we don’t pull your credit or ask for references before meeting with you to discuss your needs. Read more about our car loan requirements.
We look at your income and credit history to build a financing package that meets your comfort level.
Your monthly payments will be calculated based on the size of the loan, the interest rate, and the length of the term.
Birchwood Credit Solutions was created to allow everyone an equal opportunity to drive a safe and reliable vehicle. Don’t let credit concerns keep you from your next vehicle. We have the experience and resources to help with all types of credit situations:
Yes. We regularly secure vehicle financing for new drivers.
You must have a valid driver’s license, be a resident of Canada, and have an income of at least $1,500 per month.
Yes. Birchwood Credit Solutions specializes in helping new Canadian residents secure a car loan.
No, we don’t need your SIN to get started. You might, however, be asked for your SIN later on in the process once you’ve been pre-approved for financing.
Down payments are generally not required.
Let us know the type of vehicle you’re looking for when filling out your application. From there, you’ll be able to select a vehicle from one of our many dealerships.
The longer your loan, the smaller your monthly car payment. Just remember that you’ll end up paying more interest if you take out a longer loan.
The interest rate you’ll pay depends on a number of factors, including your income, your credit, and the size of your loan.
It is very possible to get credit from day one after filing for bankruptcy without having to wait to be discharged.
Our team at Birchwood Credit Solutions are here to make the process of getting a car loan as easy and hassle free as possible. If you do not find the answer to your question listed within our FAQ’s, you can always contact us directly by email or by phone at 204-509-4231.
Have you already filled out your application? We make it our mission to get back to you as quickly as possible. If you completed your application and have not heard back from us within 24 hours, please call us directly at 204-509-4231 and we will be happy to help.