Your monthly payments will be calculated based on the size of your loan, the interest rate and the length of your term. Try our car loan calculator to learn more.
Estimate your car loan in seconds
Using the car lending calculator
From your first click to completing your auto financing application, our quick and transparent process makes getting a car loan simple and stress-free.
Step 1
Input your desired payment
Complete our secure online form so we can learn more about your needs and budget. This quick step doesn’t affect your credit score and helps us match you with the right vehicle options.
Step 2
Indicate your desired payment frequency and loan length
We lend our own money, allowing us to approve all credit types and offer better rates, repayment terms, and vehicle selection — with no obligation to buy.
Step 3
Give us a sense of your credit category, and trade-in if you have one
Know exactly what you can spend, explore our wide inventory with the help of our credit experts, and enjoy a smooth, stress-free purchase process from start to finish.
Financing options for your car
At Birchwood Credit, we make it possible to find the vehicle with the right payment for your budget. Our in-house financing gives us the ability to work with customers from all credit backgrounds – even if you’ve been turned down elsewhere.
Questions? We've got answers
How are my car loan payments calculated?
Do I have to be a Winnipeg resident to apply with Birchwood Credit?
No, we serve auto loans to the entire Province of Manitoba. Although we are headquartered in Winnipeg, MB and have four locations across the city, we can service you even if you live outside of the city. We encourage you to fill out the easy online application or simply call us.
Do I need to provide my social insurance number in my online application?
We don’t need your SIN (social insurance number) to get started. However, you may be asked for your SIN later on in the process once you’ve been approved for financing.
What will the interest rate on my car loan be?
What will the interest rate on my car loan be? The interest rate you’ll pay depends on a number of factors, including your income, your credit score and the size of your loan.
How does the length of the car loan affect my payment?
The longer your loan, the smaller your monthly car payment. Just remember — you’ll end up paying more interest if you take out a longer loan.
What do I need to qualify for a car loan and can I still be approved if I’ve been rejected before?
We can absolutely approve you regardless if you’ve been rejected in the past. Here’s what you’ll need to qualify for a car loan with us:
- A valid driver’s licence
- Be a resident of Canada
- Have an income of at least $1,500 per month
