All prices are plus applicable taxes. Dealer permit #9405
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.
Financing options for many needs and credit ratings
It’s important to go with an automotive dealership that provides the right financing option for you based on your personal needs and financial situation. 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.
Through its network of dealerships, offering 21 different automotive brands, Birchwood has access to manufacturer loans towards the purchase of a new vehicle.
Manufacturer loans have the advantage of offering fantastic interest rates, often being parcelled with incentives and other promotions, and even being combined with loyalty programs for repeat customers of the same brand.
Manufacturer loans allow customers to finance the base price of the vehicle and may also include the cost of additional vehicle options, added costs, such as shipping and PDI, and even the sales taxes on a vehicle.
Through its relationships with Canadian banks, Birchwood is able to offer automotive financing on new and pre-owned vehicles through bank loans. Bank loans are similar to manufacturer loans in that they can be put towards the purchase price of a vehicle and are available to approved borrowers with different terms such as payment schedule and term, but are usually applied to pre-owned vehicles. Bank loans usually have the benefit that they can be paid off early in-full at any time, and carry the advantage that once the loan is paid off, the vehicle is yours to keep, trade or sell.
Sometimes, challenges in life can make owning a vehicle difficult. If your credit has been impacted negatively by things such as unexpected expenses or divorce, it’s possible that vehicle ownership has been made difficult by rejection for credit on a conventional vehicle loan. In these scenarios, make sure to speak with Birchwood Credit. Unlike other automotive dealerships who will often sell your information to an outside loan provider in alternative credit situations, Birchwood provides credit itself, meaning you get credit from someone who’s credible. Birchwood Credit’s process is fast with an easy application and no obligation.
If you’re looking for a new vehicle financing option that comes with the least amount of hassle for you as the owner, leasing is a great option. Leasing offers the lowest monthly financing payments on a vehicle by being based off of the depreciation in value of the vehicle, rather than paying for the entire vehicle amount. At the end of your lease term, you have the option to either purchase the vehicle for the remaining assessed value, or terminate the lease and return the vehicle.
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.
Our Birchwood We Buy programs give you the most value for your vehicle when selling or trading in for an upgrade. You’ll even receive a cheque within 48 hours of your trade.
After 55 years in business, Birchwood has the most trusted automotive retailers and service centres in Manitoba. It’s our mission to exceed your expectations every time—that’s why our customers keep coming back. Browse through some of our testimonials to see what they say.