We use our own funds, which means faster approvals and more flexibility compared to banks or third-party lenders. By removing the middleman, we can tailor financing to your situation and make the process simpler and more personal.
Bad credit? Car loans for all situations
Birchwood Credit offers bad credit car loans for individuals aiming to reclaim their freedom
Calculate your car loan based on your desired payment
Bad credit / no credit or consumer proposal
Consumer proposal, bankruptcy or reposession
First time or new-to-Canada car loan
Divorce or poor credit due to unexpected events
Bad Credit Car Loans in Winnipeg
Life in Manitoba makes vehicle ownership all but a must, whether it’s staying cool while travelling in summer or avoiding making your bus connection in 40-below. Thanks to Birchwood Credit, a car loan is possible even with bad credit.
A bad credit car loan lets you finance a vehicle with no credit
Birchwood Credit reviews your full financial picture
Auto loans for different financial situations
Simple financing when your credit isn’t perfect
Many sub-prime lenders simply sell your application to a third party. At Birchwood, we keep everything under one roof, from approval to financing to finding your vehicle. Our unique model lets us offer:
Accessibility
Approval even if you’ve had late payments, bankruptcy, or no credit history
Flexibility
Loan terms tailored to your current situation, not just your credit score
Local Expertise
In-house financing handled right here in Winnipeg — no banks or third parties.
Support
We work with you step-by-step to rebuild your credit through your auto loan
Bad credit car loans in Winnipeg made easy
At Birchwood Credit, we make it easy for people with less-than-perfect credit to get approved and into a vehicle with confidence.
Our quick, SIN-free online application takes less than three minutes, and once your details are confirmed, our team helps you find the right vehicle so you can drive away with confidence.
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.
Why we’re different.
1. In-house financing.
2. All credit welcome.
Whether you have perfect credit, poor credit, or no credit history at all, we can help. Our credit experts specialize in working with every financial situation and will guide you through options that make sense for your budget.
3. Personalized payment plans.
We design repayment schedules around your lifestyle, not the other way around. With flexible terms, you can adjust your loan length and payment amounts to match your monthly comfort zone, ensuring affordability without added stress.
What vehicle brands do we offer?
Through our partnerships with the 18 dealerships in the Birchwood Automotive Group, we’re able to offer a wide variety of vehicle makes and models.
Honda
The popular Civic sedan is a favourite amongst Birchwood Credit clients, with other available models including the CR-V, Accord, Odyssey and more.
Ford
Birchwood Credit is proud to offer a wide variety of Ford vehicles including F-150, Escape, Explorer and Bronco amongst others.
Hyundai
As one of the largest vehicle manufacturers in the world, Hyundai has many popular vehicle models including the Elantra sedan, Sonata and Tucson SUVs and Santa Cruz pickup truck.
And many more…
Birchwood Credit has access to a wide variety of different vehicle makes and models, including SUVs, minivans, hybrids and more.
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
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
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
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
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
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 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
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
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
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
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
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
We make auto financing easy with advice from our credit experts.
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.”
Mark G.
“The most rewarding part of my day is telling clients they’ve been approved and seeing a sigh of relief when they have been declined everywhere else.”
Baily P.
“A credit score is a snapshot, not a permanent thing. Every on-time payment rewrites the story.”
Karl G.
“I know buying a vehicle can feel
overwhelming. I’ll guide you through our process, explain your options clearly, and help you find a car you love—without any surprises.”
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.”
Kreg H.
“I really enjoy getting to know each one of my clients and understanding how best to help them move forward in a positive way with their vehicle purchase. I appreciate every single person we’ve been able to help!”
Questions? We've got answers
What documents do banks require for a car loan application?
Banks and credit unions generally require more information from loan applicants, which often includes the following documents:
- Social insurance number
- Credit history and credit report
- Address and previous address
- Income
- Monthly housing costs
- Monthly payments
- Household costs
- Vehicle bill of sale
I recently arrived in Canada and have no credit history. Can I get a car loan?
Yes, we specialize in helping new Canadian residents secure a car loan.
What is the minimum credit score for a car loan in Canada?
Credit bureaus typically rate your credit score on a scale from 300 to 900 with 300 being the lowest score and 900 being the highest. Lenders will look at your credit score to decide your creditworthiness, determining if you will be approved for a vehicle loan.
If you have a score of 620 or higher, you have average to good credit and will likely be approved for a car loan. A score lower than 620 likely means you’ll have a harder time getting a car loan from a traditional lender. However, though we do check credit scores, we look beyond the three-digit number and take into account your whole financial situation.
Can I get a car loan even if I have bad credit?
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 the following types of credit situations:
- Bad credit / no credit
- First time car loan applicants
- Slow, late or missed payment history
- Getting a car loan after bankruptcy
- Consumer proposal
- Repossession
- Divorce
- Low income
- Orderly payment of debt
- Poor credit due to unexpected events
How long does your online application take to complete?
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 our list of inventory.
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!
