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The easiest way to buy a car
with less than perfect credit.

Start Your Application

  • No Obligation or Application Fees
    It's completely free to apply and will only take a few minutes.
  • Pre-Approval Within 24 Hours
    We'll help you shop with confidence and within your budget.
  • Financing based on your financial situation
    We look beyond your credit score unlike traditional banks.
  • $0 Down Financing Options
    We'll help make it easier to get the car you need.
  • Choose from Manitoba's largest vehicle inventory
    New and used cars, trucks, SUVs, vans from Birchwood dealerships.
  • Services offered in your language
    English, French, Spanish, Tagalog, Laotian, Punjabi, and Hindi.
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Step One: Select a Vehicle

Select A Vehicle
Contact Information
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Employment Information
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Residential Information
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Step Two: Contact Information

Select A Vehicle
Contact Information
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Employment Information
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Residential Information
4

Step Three: Employment Information

Select A Vehicle
Contact Information
Employment Information
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Residential Information
4

Step Four: Residential Information

Select A Vehicle
Contact Information
Employment Information
Residential Information
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No credit. Bad credit. We’re here for all credit types.

Newcomers to Canada

If you’re new to Canada and have little or no credit history, we can still help you find an affordable vehicle. We look at your entire financial history, not just your credit score.

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Customers With Less Than Perfect Credit

Regardless of what has happened in your past, you deserve some credit. We work with you to assess your current financial situation and find a reliable vehicle that fits your budget.

Start Application

First-Time Car Buyers

Buying a car can be a complicated process but we make it easy. We’ll find you a vehicle that fits your needs and budget, explaining the process so you can drive away with confidence.

Start Application

Why we’re different.

Our service is free, fully secure and you’re under no obligation. Here’s what makes us different:

  • Auto loans for cars, trucks, vans and SUVs
  • Competitive rates
  • Quick approvals
  • Affordable payment terms
  • Bad credit/no credit
  • Tons of vehicle selection (22 dealerships)
  • Birchwood is a trusted Manitoban brand

We have the experience and resources to help with all types of credit situations:

  • Slow, late or missed payment history
  • Car loans after bankruptcy
  • Consumer proposal
  • Repossession
  • New to Canada
  • Divorce
  • Low income
  • Orderly Payment of Debt
  • Poor credit due to unexpected events

Start Your Application

Car Loan Calculator

Use our Car Loan Calculator to estimate your monthly payments so you can budget for the car you want.

How is your credit?
Most lenders may be reluctant to approve customers with a credit score under 500. At Birchwood Credit, we look at your entire financial situation, not just your credit score.
The average credit score in Canada is around 650. Having average credit should open up more lending opportunities.
A credit score of 660 or above is considered good and lenders will typically view these customers as low-risk borrowers.
A credit score of 780 and up is considered excellent. Customers in this category are viewed as reliable borrowers and will get the best interest rates.

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We would like to tell how much wee are appreciating to Palvinder. Today we came to him and did not even hope for a good result with our bad credit score after few previous attempt with a car dealers. As a result, after 3 hours (OMG!!) we left the Birchwood in our new 2024 car. Thank you so much, Palvinder you are a real magician! It was an amazing experience! We will definitely come back to you again and recommend you to all our friends.

Nataliia Morozova
Reviewed on Google

July 4, 2024

Franz was awesome to work with. Extremely helpful, did a wonderful job explaining everything throughout the process, very communicative even long after we purchased a vehicle. Absolutely would recommend Birchwood to any friends and family.

Sarah Murphy
Reviewed on Google

June 1, 2024

Just wanted to express my sincerest appreciation for the experience I received while obtaining my first car with Birchwood Chevrier! Palvinder did an amazing job with helping me navigate through the process and finding a car that met all the expectations I required. If anyone’s looking for a place to buy a car, this location is the place to go. Would 10/10 recommend!

Nyiriak Dechagai
Reviewed on Google

May 27, 2024

Get Pre-Approved in 24 Hours

Our online application only takes a few minutes to complete and we only ask for the information we need to help you get into the vehicle you need.

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