We are Manitoba’s largest auto dealer. As a customer, you have access to any type of vehicle. Fill out the application and let us know what you’re looking for.
Once you’ve filled out an application and been approved, our team will work with you to search our inventory. We’ll also help you find an affordable payment plan. This approach to car buying makes the process much less stressful.
Why It’s A Myth:
When buying a new vehicle, most consumers do their research online before walking into a dealership or speaking to a salesperson. Getting pre-approved before visiting the dealership allows consumers to shop for their vehicle with more confidence. Having your approval and knowing your price range will help you find a vehicle that fits not only your lifestyle but also your budget. Getting your approval first makes the car buying process less stressful.
Why It’s A Myth:
Not all Winnipeg bad credit dealerships will require you to make a large down payment when purchasing a new vehicle. Without a doubt, the best way to buy a vehicle is with cash, but for most people, making a large down payment isn’t possible. When you shop with us, we look at your financial situation and if a larger down payment makes sense and will help lower your cost, then we may present that as an option to you.
Why It’s A Myth:
Shopping around to explore vehicle options is cool, but shopping around to find the best possible rate can sometimes have a negative impact on your credit score. Keep in mind — depending on where you submit a loan application, it could result in a hard inquiry on your credit and too many inquiries can lower your score. Be cautious of websites that ask you to enter your SIN number online without even speaking to you about your situation first.
Why It’s A Myth:
With bad credit / no credit becoming more and more commonplace, there are a lot of in-house vehicle financing options becoming available to consumers. At Birchwood Credit, we offer reasonable interest rates and a loan process that’s clear for borrowers.
Why It’s A Myth:
Yes — you can have less than perfect credit and get your auto loan approved. Today, more than ever, having perfect credit is rare and there and more options available to those with less than perfect credit. At Birchwood Credit, we work specifically with consumers who have bad credit or no credit. Learn more about our Winnipeg bad credit car loans.