We use our own funds, which means faster approvals and more flexibility compared to banks or third-party lenders. By removing the middleman, we can tailor financing to your situation and make the process simpler and more personal.
Credit Score? We care more about you.
Your credit history is just that: history. Let’s talk about what’s possible now.
Calculate your car loan based on your desired payment
Bad credit / no credit or consumer proposal
First time or new-to-Canada car loan
Consumer proposal, bankruptcy or reposession
Divorce or poor credit due to unexpected events
How it works
We help clients from all financial situations get approved for auto lending. Whether you’re new to Canada, rebuilding credit, or buying your first car, Birchwood Credit makes the process simple and stress-free. Three simple steps and you’ll be on the road.
Apply online in minutes to receive pre-approval, usually within 24hrs
Work with our team for a personalized lending structure
Finalize your auto loan, select your vehicle and drive away
Getting approved is easier than you think
What if your car payment did more than just get you from A to B? Every on-time payment you make works twice; once today, once for your future.
From your first click to driving away, our simple and transparent process makes getting an auto loan simple and low-stress.
Step 1
Understand your situation
We care about where you’re going, not just where you’ve been. Unlike banks and other lenders, we discuss your credit situation with you and ensure you understand it. We’ll also give you tips on how to rebuild your credit and achieve financial freedom.
Step 2
A unique lending model
Since we offer in-house financing, we lend our own money and can give faster approvals and better rates. We look at you as a person with a unique financial situation, not just the number on your credit score.
Step 3
Support you’ll feel
With over 2000 client reviews and counting, there are thousands of client success stories that we are uniquely proud of. We work to change our customers’ lives for the better.
We help all credit types
Bad credit / no credit
For those with late or missed payments or with no credit
First time applicants
For clients who have never had a loan before and need to build credit
Divorce
For individuals facing divorce, unexpected events, or financial changes.
Why we’re different.
1. In-house financing.
2. All credit welcome.
Whether you have perfect credit, poor credit, or no credit history at all, we can help. Our credit experts specialize in working with every financial situation and will guide you through options that make sense for your budget.
3. Personalized payment plans.
We design repayment schedules around your lifestyle, not the other way around. With flexible terms, you can adjust your loan length and payment amounts to match your monthly comfort zone, ensuring affordability without added stress.
What vehicle brands do we offer?
Through our partnerships with the 18 dealerships in the Birchwood Automotive Group, we’re able to offer a wide variety of vehicle makes and models.
Honda
The popular Civic sedan is a favourite amongst Birchwood Credit clients, with other available models including the CR-V, Accord, Odyssey and more.
Ford
Birchwood Credit is proud to offer a wide variety of Ford vehicles including F-150, Escape, Explorer and Bronco amongst others.
Hyundai
As one of the largest vehicle manufacturers in the world, Hyundai has many popular vehicle models including the Elantra sedan, Sonata and Tucson SUVs and Santa Cruz pickup truck.
And many more…
Birchwood Credit has access to a wide variety of different vehicle makes and models, including SUVs, minivans, hybrids and more.
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
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
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
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
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
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
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
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
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 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
We make auto financing easy with advice from our credit experts.
Colin C.
“The best car for your situation isn’t the most expensive one you qualify for. It’s the one that leaves room in your budget to breathe.”
Ryan B.
“We’re here to help and educate our clients about purchasing a vehicle. It can be stressful at times, but by providing a great experience, we can help our clients change their lives.”
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!”
Karl G.
“I know buying a vehicle can feel
overwhelming. I’ll guide you through our process, explain your options clearly, and help you find a car you love—without any surprises.”
Mike B.
“The best part of our 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.”
Barry K.
“When I’m reviewing your application
I’ll focus on your full financial picture—not just your credit score. That helps me create a realistic payment plan that suits your life.”
Questions? We've got answers
If this is my first vehicle purchase, can I still get approved for financing?
Yes, we regularly secure vehicle financing for new drivers.
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.
What credit score is needed for a car loan?
In Canada, credit scores range from 300 (less than perfect) to 900 (excellent). If you have a score of 620 or higher you have average credit or better and will likely be approved for a car loan wherever you go. Lower than that likely means you’ll have a harder time getting a car loan from a traditional lender, like a bank.
While we do check credit scores at Birchwood Credit Solutions, we also look beyond the three-digit number. We take your whole financial situation into account and have the expertise to help with all kinds of credit challenges.
How long does your online application take to complete?
Our online application takes less than 2 minutes and is designed to be as easy and hassle-free as possible.
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.
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
Apply in minutes
Getting a car loan shouldn’t be stressful.
We only ask for the information we need and finishing your application takes less than five minutes.
Get started now!
