MPI Winter Tires Program

Get new winter tires in 3 easy steps! Finance up to $2,000 through Manitoba Public Insurance.

Financing: The financing rate is prime plus 2% with your choice of term (1 – 4 years). 1 individual can finance multiple vehicles with a valid driver’s license.

Who is Eligible: Everyone with a valid driver’s license is eligible for the Manitoba Public Insurance Financing program. You must be the registered owner of the vehicle to be eligible. Simply select your tires, book your appointment, and once your new winter tires are installed you will receive a printout of the loan information. No payment required at time of installation.

Payment Process: An Autopac agent will process the loan and mail your payment schedule and further loan information. Choose monthly payments or contact your Autopac agent for information on alternative methods (such as pre-authorized payments).  If your purchase exceeds $2000 you will be required to pay the excess amount at the time of installation.

Last Step: Simply book your appointment with us here, and bring a valid driver’s license and your VIN with you to your appointment. We will handle submitting any and all paperwork. We are committed to making this a quick and simple process for you the customer.

The first step is picking your tires.

Finance your tires through Manitoba Public Insurance with monthly, preauthorized payments from your bank account. The first payment is withdrawn one month after your loan is processed, then monthly on your chosen date.

If someone else is making payments, they must visit an Autopac agent to sign the agreement.

Note: Interest rates are set quarterly based on the Bank of Canada’s prime rate plus 2%.

$ Financed
One Year
Two Year
Three Year
Four Year
$750
$65.52
$34.26
$23.87
$18.70
$1,000
$87.25
$45.62
$31.79
$24.90
$1,250
$108.97
$56.98
$39.70
$31.10
$1,500
$130.69
$68.34
$47.62
$37.30
$1,750
$152.42
$79.70
$55.53
$43.50
$2,000
$174.14
$90.54
$63.44
$49.70

Tire Financing – Frequently Asked Questions

Who is eligible for the program?

To be eligible for the Winter Tire Program, you must:

  • Be an individual (not corporate) Manitoba Public Insurance customer
  • Purchase qualifying winter tires for a passenger vehicle or light truck registered under your name
  • Not be subject to financing restrictions or have outstanding arrears on your Manitoba Public Insurance account
  • Be the registered owner of the vehicle

If you hold a student, work, or visitor Visa permit you are not authorized for financing through a retailer.

No, there is not credit bureau pulled. It is strictly through Manitoba Public Insurance.

No, it does not. If the customer should sell the vehicle or write off a vehicle, the loan remains with the customer not the vehicle.

Yes, they are eligible for the program but they will be required to pay the loan on the winter tires if there are payments remaining after the lease is up.

No, the loan does not report to the credit bureau. Only if the customer fails to pay their loan, Manitoba Public Insurance collections officers will attempt to collect from the customer. If the attempt is unsuccessful, the debt is sold to a collection agency for further collection. At that point, it will be reported to the credit bureau.

Yes you can. It is an open loan so there is no penalty to paying it earlier than the initial loan term chosen.

Visit a Birchwood dealership to purchase your tires and initiate your financing. 

  • Provide your vehicle registration certificate and your driver’s license or identification card
  • You MUST be the registered owner of the vehicle to get financing
  • Select a financing term between one and four years and a monthly payment withdrawal day
  • Choose between using the existing banking or credit card information on your Manitoba Public Insurance account, or have your Autopac agent contact you for the information
  • Provide your phone number and preferred Autopac agent
  • Read and sign the loan information (including applicable interest rate), Pre-authorized Payment Agreement, promissory note and terms and conditions
Tires that are qualified will display this symbol, as established by Transport Canada and the Rubber Association of Canada. It indicates that the tires have met specific snow traction performance requirements and are designed for severe snow conditions.

You can include:

  • rims
  • Tire Pressure Monitoring System
  • addition of studs to tires (some limitations apply)
  • mounting and balancing
  • storage costs (if paid during initial purchase)
  • switchover costs (if paid during initial purchase)
  • wheel alignment
  • nitrogen fill
  • valve stems
  • shop supplies
  • applicable taxes and fees

 

Anything over $2000 you must pay the extra at time of purchase.

The following are not approved for financing:

  • repair of tires
  • maintenance/storage, unless included as part of the initial cost
  • switchover cost, unless included as part of the initial cost

There is a one-time fee of $4 per loan. This is an administration fee and will be included in the amortized loan amount.

Once your Autopac agent processes your application, you will be mailed a payment schedule along with a copy of the form you signed at Birchwood.
Contact your Autopac agent or Manitoba Public Insurance Service Centre.

Our Tire & Rim protection comes complimentary with the purchase of 4 winter tires. Click HERE for more details.

  • You also get free Roadside Assistance
  • Free tire rotations and inspections
  • Tire and rim road hazard coverage