Fast approvals. Low payments. All credit scores welcome — Start your application today!

Your trusted partners in auto lending

Our team believes that our clients shouldn’t be defined by their credit scores

Meet the people who make fresh starts possible.

Mike K.

I have been in the car industry since 2006. I really enjoy helping clients change their lives through improving their credit. We work with our clients, advising them on the best way to move their credit forward.
Mike K.
General manager
Chelsey

Chelsey D.S.

I want to provide a positive, transparent and comfortable experience to any client that walks through our door no matter what the circumstance is.
Chelsey D.S.
Branch manager
josh

Josh D. V.

I love that at Birchwood Credit we are able to look past credit history to give our clients a second chance at not only reliable vehicle ownership, but to rebuild their credit for a better future for them and their family.
Josh D. V.
Branch manager

Barry K.

I’ve been in the car business in a variety of roles since 1998 and at Birchwood since 2012. Additionally, I am a graduate of the Automotive Business School of Canada. At Birchwood Credit we understand our guests life history and events allowing us to help build their credit for a bright future when no one else will help.
Barry K.
Branch manager

Mike D.

I've been with Birchwood since 2017. I truly enjoy learning about my clients and finding out how we can help them not only get a vehicle, but also educate them on credit and how to help themselves improve in that regard.
Mike D.
Branch Manager

Colin C.

I have been in the car industry for over a decade helping people get a reliable vehicle while also rebuilding their credit. Providing a positive and stress-free experience is what I strive for with every client I meet.
Colin C.
Special finance manager
mike B

Mike B.

The best part of my job assisting our clients, is when they tell me they never thought they would qualify to finance a good, reliable vehicle, and we're able to find a way for Birchwood Credit to help.
Mike B.
Financial services manager
mark

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.
Mark G.
Financial services manager

Daniel P.

I enjoy the opportunity to meet clients in a no-pressure environment to explain their current credit situation, rebuild their credit and help get their families to their destinations in a safe, reliable vehicle.
Daniel P.
Financial services manager
palvinder

Palvinder J.

I love being able to help my clients get into a reliable vehicle and also educate them on how to build their credit.
Palvinder J.
Financial services manager

Ryan B.

With just about 3 years in the automotive industry. Here to help and educate all clients about purchasing a vehicle. Providing an awesome experience, as buying a vehicle can be stressful at times. With the ability to change customers lives.
Ryan B.
Financial services manager

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!
Kreg H.
Financial services manager
franz

Franz L. V.

I really enjoy helping customers when they go through difficult times and help them drive reliable vehicles to provide for their families.
Franz L. V.
Financial services manager
chris-m

Chris M.

I’ve been in the automotive industry for over eight years. Helping customers is what drives me.
Chris M.
Financial services manager
karl

Karl G.

I started my career in the auto industry in 2019. Being able to help guide customers on their credit rebuild journey is what motivates me.
Karl G.
Financial services manager

Baily P.

My favourite part of being with Birchwood Credit is working closely with clients and keeping the credit process simple and stress-free. I love helping people move forward with confidence to reach their financial and vehicle goals.
Baily P.
Financial services manager
Chelsey

Chelsey D.S.

I want to provide a positive, transparent and comfortable experience to any client that walks through our door no matter what the circumstance is.
Chelsey D.S.
Branch manager
palvinder

Palvinder J.

I love being able to help my clients get into a reliable vehicle and also educate them on how to build their credit.
Palvinder J.
Financial services manager
karl

Karl G.

I started my career in the auto industry in 2019. Being able to help guide customers on their credit rebuild journey is what motivates me.
Karl G.
Financial services manager

Mike K.

I have been in the car industry since 2006. I really enjoy helping clients change their lives through improving their credit. We work with our clients, advising them on the best way to move their credit forward.
Mike K.
General manager

Mike D.

I've been with Birchwood since 2017. I truly enjoy learning about my clients and finding out how we can help them not only get a vehicle, but also educate them on credit and how to help themselves improve in that regard.
Mike D.
Branch Manager

Colin C.

I have been in the car industry for over a decade helping people get a reliable vehicle while also rebuilding their credit. Providing a positive and stress-free experience is what I strive for with every client I meet.
Colin C.
Special finance manager
franz

Franz L. V.

I really enjoy helping customers when they go through difficult times and help them drive reliable vehicles to provide for their families.
Franz L. V.
Financial services manager
chris-m

Chris M.

I’ve been in the automotive industry for over eight years. Helping customers is what drives me.
Chris M.
Financial services manager

Barry K.

I’ve been in the car business in a variety of roles since 1998 and at Birchwood since 2012. Additionally, I am a graduate of the Automotive Business School of Canada. At Birchwood Credit we understand our guests life history and events allowing us to help build their credit for a bright future when no one else will help.
Barry K.
Branch manager
mark

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.
Mark G.
Financial services manager

Ryan B.

With just about 3 years in the automotive industry. Here to help and educate all clients about purchasing a vehicle. Providing an awesome experience, as buying a vehicle can be stressful at times. With the ability to change customers lives.
Ryan B.
Financial services manager

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!
Kreg H.
Financial services manager
josh

Josh D. V.

I love that at Birchwood Credit we are able to look past credit history to give our clients a second chance at not only reliable vehicle ownership, but to rebuild their credit for a better future for them and their family.
Josh D. V.
Branch manager
mike B

Mike B.

The best part of my job assisting our clients, is when they tell me they never thought they would qualify to finance a good, reliable vehicle, and we're able to find a way for Birchwood Credit to help.
Mike B.
Financial services manager

Daniel P.

I enjoy the opportunity to meet clients in a no-pressure environment to explain their current credit situation, rebuild their credit and help get their families to their destinations in a safe, reliable vehicle.
Daniel P.
Financial services manager

Baily P.

My favourite part of being with Birchwood Credit is working closely with clients and keeping the credit process simple and stress-free. I love helping people move forward with confidence to reach their financial and vehicle goals.
Baily P.
Financial services manager

Life doesn’t brake for a lower credit score. Neither do we.

12 years of proven expertise

Over a decade of helping customers get the vehicles in any credit situation

2000+ first-party reviews

Real stories from customers whose lives we’ve helped change.

Thousands of Manitobans back on the road

Vehicles that fit every lifestyle, need, and budget.

Experience you can trust

A track record built on results and real people.

You are more than a credit score

quotation marks

A challenging credit history shouldn’t hold you back from the road ahead. That’s why our purpose goes beyond vehicle financing.
It’s about helping you reclaim your freedom and build real momentum.

Our customers have been around the block. They know auto lending can feel cold and transactional.

James-P
James
General manager

Come visit us.

Chevrier Boulevard

1330 Chevrier Blvd

Nairn Avenue

768 Nairn Avenue

Portage Avenue

3965 Portage Avenue, Unit 20

Salter Street

1065 Salter Street

Trusted by thousands of customers

Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.

Let’s connect.

We’re a diverse group of helpful individuals with a passion for the automotive industry. Whenever you stop in to look for a new vehicle or get some credit support, we’ll be greeting you at the door with compassion and kindness. Our team is ready to assist you with your credit needs in whichever way is most convenient for you.

Quick step to continue

Complete a pre-qualification application before browsing our inventory

Why we pre-qualify

At Birchwood Credit, we use an “application first” approach to vehicle purchases. This helps us understand your credit situation and make sure the vehicle you’re considering is one you can confidently drive off our lot.

To browse our inventory, we simply ask you to complete an application. It lets us start your ownership journey with clear options and the right expectations.

We help all credit types

Bad credit / no credit

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For those with late or missed payments or with no credit

First time applicants

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For clients who have never had a loan before and need to build credit

Divorce

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For individuals facing divorce, unexpected events, or financial changes.

Car loan after bankruptcy

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We help clients who are moving on from declaring bankruptcy to get approved for an auto loan

Newcomers and first-time buyers

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Birchwood Credit provides auto financing to newcomers to Canada or first-time car buyers.

Consumer Proposal

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For applicants who are in a repayment agreement with creditors

Slow, late or missed payment history

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We provide auto loans to clients who have experienced issues with payments

Poor credit due to unexpected events

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For individuals facing divorce, unexpected events, or financial changes.

How Birchwood Credit works.

Apply and get approved.

We use our own funds, giving you faster approvals and more flexible options than traditional banks.

Choose your vehicle.

Browse our quality inventory and find the perfect vehicle that fits your budget and lifestyle.

Drive away.

Finalize your paperwork
and drive away in your new vehicle. It’s that simple!

Get approved today.

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

Ready to Apply?

Start your financing application now and get instant pre-approval.