Frequently Asked Questions

Qualifications and Requirements for a Car Loan

A less than perfect credit score can make it difficult to get approved for a car loan. But at Birchwood Credit Solutions, our in-house financing program offers more flexible auto loan requirements, which means more of our customers get approved and driving!

Qualifications for a Car Loan

What do I need to qualify for a car loan and can I still be approved if I’ve been rejected before?

Why are Birchwood Credit Solutions' car loan requirements different from my bank?

If this is my first vehicle purchase, can I still get approved for financing?

What documents do banks require for a car loan application?

I recently arrived in Canada and have no credit history. Can I get a car loan?

The Affect Credit Score has on a Car Loan

How does credit score affect a car loan?

What is the minimum credit score for a car loan in Canada?

Can I get a car loan even if I have bad credit?

What credit score is needed for a car loan?

The Car Loan Application Process and How it Works

How long does your online application take to complete?

How are my car loan payments calculated?

Do I have to be a Winnipeg resident to apply with Birchwood Credit Solutions?

Will I need to provide my Social Insurance Number (SIN) when I apply?

Do I need to make a down payment on the vehicle?

How long does it take and when will I know if I’m approved for financing?

Further questions about the details

How will I choose my new car?

What will the interest rate on my car loan be?

How does the length of the car loan affect my payment?

If I declare bankruptcy, how long before I can get credit?

Can’t Find Your Question?

Our team at Birchwood Credit Solutions is here to make the process of getting a car loan as easy and hassle-free as possible. If you can’t find the answer to your question listed, you can always contact us directly by email or by phone at 204-813-9175.

Already Applied for a Loan?

Have you already filled out your application? We make Zit 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 204-813-9175 and we’ll be happy to help.