Finance or Lease?
The first step is a simple finance application — then we find you the best rate.
Over 80% of vehicle purchases require a finance application. At Birchwood it is the simplest experience anywhere in Manitoba.
Best Rates
As Manitoba’s largest auto retailer, Birchwood is able to secure the best rates on your behalf and has monthly discounted rate options available. Shop the Best Rates here
We’re Here to Help
Whether you’re new to financing, new to Canada or credit challenged, we’re here to build or rebuild your credit.
Save Time
The finance application on our sites is the exact same form you complete in dealership. Complete at home to speed up your in dealership purchase process by approximately 1 hour.
Choose your vehicle and complete the application from the vehicle page:
Shop by Monthly Payment:
Types of Vehicle Loans
Figure out what type of loan works for you
Nissan Canada Finance
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.
Bank Loans
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.
Birchwood Credit
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.
Leasing vs Financing: What's best for you?
Leasing Benefits
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.
Financing Benefits
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.
Less than Perfect Credit
Auto loans from Birchwood for all credit types
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.
Questions about Financing or Leasing?
Browse helpful content to answer all your questions. If you still require assistance please contact one of our dealerships for additional information.
