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Birchwood Credit Solutions


About lender

Birchwood Сredit is a Canadian lender offering online auto financing in Winnipeg. The vehicle cost could be from $5,000 to $50,000; the loan duration varies from 1 to 8 years.

The company was established in Winnipeg, Manitoba, in 2010 to give everyone an equal opportunity to drive a safe and reliable vehicle. It specializes in helping Canadians with less than perfect credit purchase a vehicle. It's operating in the whole Manitoba area.


You can apply for a loan for cars, trucks, and SUVs, used or new, provided by Birchwood dealerships in Winnipeg.

Birchwood Credit is in-house financing working without any partners like banks or other companies to lend their money. As a result, it assures more approvals, better repayment terms, and better rates.

It's an alternative option for people who don't qualify for the traditional lenders and want to get a loan quickly and easily. For example, you could be eligible for a car loan, even if you have previously been declined for auto financing in Winnipeg but are still employed and have a good track record of making repayments.

Birchwood Credit provides loans for Canadians with any financial rating: poor (under 500), average (around 650), good (above 660), or excellent (780 and up). Despite that, clients with average status have more lending opportunities, but still, there are options for borrowers with bad credit.

You can use a car loan calculator on the main page of the official website to consider your payments according to the vehicle cost, loan terms, and credit history.

Pros and cons

Look through this pros and cons review to decide whether Birchwood Credit is your best solution.


  • Evaluation is based on the whole financial situation, not just on the credit score

  • Flexible and affordable repayment terms ging from1 to 8 years

  • Loans for a new or used car purchase

  • Available with no or bad credit

  • In-house financing without banks and other partners

  • High approval rates


  • No specific info about fees, taxes, and interest rates on the website

  • Income of at least $1,500 and the proof is required

  • Conditions are worse with a poor credit

  • Available only for Birchwood dealerships' customers

  • Operating only in Manitoba

Birchwood Credit is a good option for borrowers with bad or no credit or who don't want to deal with banks.

There are advantages and disadvantages of Birchwood Credit services, but borrow responsibly: calculate your monthly payments and choose the suitable vehicle. If it's out of budget, many loans could lead to default and legal problems.

Loan conditions

According to the car cost, customers could borrow $5,000 — $50,000. The terms are 1 — 72 months.

You should specify the type and cost of the car you’re looking for in your application and select a vehicle from the company's inventory list: cars, trucks, vans, SUVs, used or new.

You could repay weekly, bi-weekly, or monthly.

The interest rate depends on your income, credit score, and loan size. The longer your payment plan, the smaller your monthly car payment, but note: the interest is accrued.

You may use a car loan calculator on the website. There are three values to set: the vehicle cost, the loan duration, and credit (poor — excellent). As a result, you will see the projected monthly payment. It includes the principal — the total cost of the vehicle, with taxes, loan administration fees, add-ons, and interest.

There is no specific information about the amount of charges and taxes on the official website.


What is Birchwood Credit?

Birchwood Credit Winnipeg offers vehicle purchase loans online, including bad credit car loans in Manitoba, loans for new residents, self-employed, first-time car loans, etc.

Who owns Birchwood Credit?

Birchwood Credit Solutions is a part of Birchwood Automotive Group — Limited Liability Corporation, a network of vehicle dealerships established in 1963 in Winnipeg.

How do you qualify for Birchwood Credit?

To qualify, a borrower should be 18 years or older and have:

  • Valid driving license

  • Canadian residence

  • Income of at least $1,500 per month

You still could be approved if you are

  • a recent Canadian resident who has no credit history

  • a new driver, buying a car for the first time

  • having bad credit or have been declined for a loan

  • getting a car loan after bankruptcy

  • having a consumer proposal or low income, etc.  

How much can you borrow from Birchwood Credit?

From $5,000 to $50,000, depending on the vehicle cost.

Is Birchwood Credit a legitimate company?

Yes, it is. The lender has been operating in Canada since 2010, serving over 20,000 Canadians with car loans.

How does Birchwood Credit work?

You can apply through the Birchwood Credit official website, by phone, or at an office. But, first, fill out a secure application form for several minutes: contact details, place of residence, and essential employment information.

It takes 24 to 48 hours to verify the info, approve your application, and notify you through email or phone.

A finance manager will be in touch to help look through the Birchwood inventory to choose the vehicle that perfectly meets your needs and budget.

There are 4 Birchwood Credit stores and 22 Birchwood Automotive dealerships in Winnipeg, but the lender is servicing you in the whole Manitoba province.

Online you could apply 24/7, and by phone or at the office during business hours.

How do I contact Birchwood Credit?

To contact the lender, you could use Live chat at the official website. First, click the «Chat» button at the bottom of the page. Then, click the “Text” or the “Call” button to send an SMS or call.

There is also a contact form: click the “Contact us” on the bottom of the page or the sidebar menu.

You could call on Toll-Free: +1 (855) 741-1197 

Operating hours at any address: Monday & Tuesday from 9:00 a.m. to 8:00 p.m., Wednesday – Saturday from 9:00 a.m. to 6:00 p.m. The list of Birchwood Credit’s locations can be found on its website.

Company documents

Privacy Policy

A lot of people come to us looking for auto financing because they aren’t sure about securing traditional financing through their bank or financial institution.

© Birchwood Credit

Calculate loan payments in Birchwood Credit Solutions

Birchwood Credit Solutions calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to pay attention to when applying for a loan from Birchwood Credit Solutions

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Birchwood Credit Solutions from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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