With Birchwood’s financing options, it’s easier to get a new or pre-owned vehicle than ever before, even if you have less-than-perfect credit. Learn more about the wide variety of manufacturer, bank and in-house financing options we provide.
With a wide range of options, including manufacturer and bank loans, manufacturer leasing and special finance options for those with less-than-perfect credit, financing with Birchwood is the easy choice.
Birchwood offers access to manufacturer loans for new vehicle purchases through its dealership network.
These loans often feature low interest rates, promotional incentives, and loyalty rewards. They can cover the vehicle’s base price, added options, fees like shipping and PDI, and even sales taxes.
Birchwood offers financing on new and pre-owned vehicles through partnerships with Canadian banks.
These bank loans, typically used for pre-owned vehicles, are available to approved borrowers with flexible terms. They can be paid off early without penalties, and once fully paid, the vehicle belongs to the buyer.
Life challenges like unexpected expenses can affect credit and make getting a vehicle loan difficult.
Birchwood Credit offers in-house financing, unlike other dealerships that rely on third-party lenders. The process is quick, easy, and comes with no obligation.
Lower monthly payments
Lease payments are typically less than loan payments because you’re only paying for the car’s depreciation during the lease term.
Drive a new car every few years
Leases usually last 2–4 years, so you can upgrade to the latest model regularly without worrying about selling your old car.
Little or no down payment
Many leases require little upfront cash, making it easier to get into a car without a big initial expense.
Warranty usually covers repairs
Most leases fall within the manufacturer’s warranty period, so you’re often covered for unexpected repairs and maintenance.
You own the car when it’s paid off
Once the loan is paid, the car is 100% yours—no more monthly payments, and you can keep it as long as you want.
No mileage limits
Unlike leases, there are no restrictions on how much you can drive, which is great for road trips or long commutes.
Can customize the car
Since it’s your vehicle, you can make any modifications—custom paint, rims, tech upgrades—without restrictions.
Better long-term value
While monthly payments may be higher, owning a car can be cheaper over time since you’re building equity and can eventually sell it.
Birchwood Credit has the experience and resources to help with all types of credit situations, from slow to missed payment history, to repossession, to being new to Canada or low income. We are able to offer competitive rates because of our in-house financing model, so you can get credit from someone who’s credible.
Get cash or credit towards your new purchase. Get an estimate in seconds and request a guaranteed offer.
Reception: 204-832-1676
3965 Portage Avenue Unit #35D
Winnipeg, MB, R3K 2H7
