Banks and traditional financial institutions often have strict requirements when approving any loans because they want to guarantee their loan will be returned. Since we lend our own money, we’re able to offer more flexible payment plans and interest rates.
How it works
Birchwood Credit works differently from other lenders; we’re able to look beyond your credit score when considering your application because of our in-house financing model.
Step 1
Apply online in minutes to receive pre-approval
Our process begins with your online application.
From this point our team will start a personalized review of your financial situation that allows us to present you with the best options for an auto loan that will get you on the road and help to rebuild your credit. We’ll typically contact you within 24-hours to confirm your pre-approval and schedule a follow-up conversation, even on weekends.
Step 2
Work with our team for a personalized structure
Next, we put together a vehicle lending structure with your best interests in mind.
You’ll be able to chat in-person or virtually with your Financial Services Manager about the lending options that are available to you, select a vehicle and structure a payment that works best for your situation.
Step 3
Finalize your auto loan and drive away
All that’s left is to grab the keys to your new vehicle and drive away.
The Birchwood Credit team will be there for you after you drive off the lot and for years to come, ensuring that you continue to enjoy your vehicle while rebuilding your credit.
The #1 choice for thousands of customers
4.9
Based on 2000+ Reviews
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
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
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
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
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
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
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’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
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
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
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
Certifications and awards.
Questions? We've got answers
Why are Birchwood Credit’s car loan requirements different from my bank?
How does credit score affect a car loan?
This is dependant on where you apply. Banks and other financial institutes usually put a lot of weight on credit scores because they indicate your reliability as a borrower. At Birchwood Credit Solutions, we lend our own money, allowing us to look beyond your credit score.
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 are my car loan payments calculated?
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.
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.
If I declare bankruptcy, how long before I can get credit?
It is very possible to get credit from day one after filing for bankruptcy without having to wait to be discharged.
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
