Bad Credit Car Loans Winnipeg

These days, it’s a must for Canadians to own some kind of vehicle. While public and private transport might be reasonable options, having a car is a convenience that most people prefer to have. However, not everyone can afford to shell out for a new, or used, car. Even if you have the necessary finances, you might have a difficult time getting approved for a car loan because of your bad credit situation.

What is a Bad Credit Car Loan?

Even if you happen to have bad credit, it’s still possible to secure a loan for a new or a used car. With a bad credit car loan, a person with a low credit score finances a car over a certain payment period, with a fixed monthly interest rate. While not all lenders will approve a car loan to someone with bad credit, there are some who do.

Bad Credit Car Loans In Winnipeg Made Easy

At Birchwood Credit Solutions, we specialize in bad credit car loans. Put simply, we help people who find themselves in a bad credit situation purchase a new vehicle. As someone who may find themselves in a bad credit situation, it is going to be important to work with a company who understands credit challenges and can help you with your next car loan.

Shopping for a vehicle with bad credit can be a stressful and intimidating process. But even if you have previously been declined for auto financing in Winnipeg, we can help. With our help, you could get approved and drive a new vehicle in next to no time.

Our process has been created to be easy and hassle-free — we have a simple online application that can be filled out in less than 3 minutesWe don’t require your SIN to get started and the online application only asks you for contact details, place of residence and some basic employment information.

Once we have confirmed those details, a member of our team will be in touch to help you shop our dealership inventory to ensure you drive away in your perfect vehicle. It’s that easy!

 

Bad Credit? We Look Beyond Your Credit Score.

Credit bureaus typically rate your credit score on a scale from 300 to 900, 300 being the worst score you can have and 900 being the best. Lenders will typically look at your credit score to decide your creditworthiness, and it is the predominant factor in determining if you will be approved for auto financing.

A low credit score will make being approved for a bad credit car loan in Winnipeg difficult because you will be viewed as a risk. If you’re looking for a new vehicle, having a lower credit score might make the process more difficult.

We take a different approach when looking at the creditworthiness of a potential customer. We look beyond your credit score and focus on the entire financial picture and your unique situation. Often customers will come to us with less than perfect credit scores, perhaps due to an incident in the past, but are still employed and have a good track record of making their payments. This is why we believe that working with our team to review your financial situation is valuable as it will help us to decide an appropriate budget and payment together.

Why Birchwood For A Bad Credit Car Loan In Winnipeg?

We’re understanding of all financial and credit circumstances, and will always try to secure you with the most suitable and appropriate car loan option. Our team members are friendly, approachable, and we understand that everyone’s credit situation is different.

We know how easy it is to become frustrated when you’ve been refused a car loan due to “bad credit.” There are a number of factors that can lead to a situation like this and sometimes it can happen through no fault of your own. You may be self-employed and therefore have no proof of income. Or you may have no credit history at all. Sometimes, you may have simply been a little late paying bills.

We are one of the few Winnipeg bad credit car loan providers that offers true in-house financing. This means we lend our own money, not relying on outside banks or lenders. Lending our money means more approvals, better repayment terms, and better rates.

What’s more, we’re part of the Birchwood family, representing 14 different brands and two collision repair centers. By deciding to finance your new vehicle through us, you’re dealing with a trusted Winnipeg bad credit car dealer.

Why not benefit from our no-hassle bad credit car loan service today? Once approved, our experienced team members are on hand to guide you through every step of the process.

Get Approved for a Car Loan with Bad Credit in Winnipeg

We serve the entire Manitoba area, including Winnipeg, Brandon, Thompson, Portage La Prairie and many more. Visit one of our Winnipeg dealership locations today, or simply give us a call.

Salter Street

1065 Salter Street
Winnipeg, Manitoba R2V 2E7
Local/Toll-Free: 204-813-9733
Fax: 204-831-4999

Monday & Tuesday
9:00 a.m. – 8:00 p.m.

Wednesday – Saturday
9:00 a.m. – 6:00 p.m.

Nairn Avenue

768 Nairn Avenue
Winnipeg, Manitoba R2L 0X7
Local/Toll-Free: 204-813-9733
Fax: 204-663-2400

Monday & Tuesday
9:00 a.m. – 8:00 p.m.

Wednesday – Saturday
9:00 a.m. – 6:00 p.m.

Portage Avenue

2554 Portage Avenue
Winnipeg, Manitoba R3J 0N8
Fax: 204-831-4985
Local/Toll-Free: 204-813-9733

Monday & Tuesday
9:00 a.m. – 8:00 p.m.

Wednesday – Saturday
9:00 a.m. – 6:00 p.m.

Apply for your car loan

Applying for a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than 3 minutes. Get started now!

APPLY NOW

Or feel free to give us a call at:
204-509-4231