Financing options for many needs and credit ratings

    BMW X3

    Get Pre-Approved

    With Birchwood BMW, getting vehicle financing is easy. Start the application process by getting pre-approved online

    Available Financing Promotions

    Take Control
    We give you the tools to drive the auto buying experience—however you like to shop.
    Offer ends on Aug 11.
    Manitoba EV Incentive
    Up to $9,000* in savings
    Monthly Sales Offer
    Explore exclusive offers at Birchwood BMW
    Unlock Exclusive Savings on 2024 BMW Models
    Discover our exclusive offers on the remaining 2024 BMW models, with savings up to $20,000.
    Offer ends on Jul 31.

    Types of Vehicle Loans


    BMW Financial Services

    Financing a through BMW Financial Services is a great option if you put a lot of mileage on your vehicle, want to own your vehicle outright, or use your vehicle for commercial purposes.

    With flexible terms of up to 84-months, Birchwood BMW is able to customize your payment to be smaller with a longer term. Additionally, BMW's excellent finance rates will save you money over the long term.

    We also offer attractive leasing options, if always driving a newer car is important to you.


    Bank Loans

    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.


    Birchwood Credit

    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.

    BMW 1 Series

    Leasing a BMW

    Effective Car Leasing Options from BMW Financial Services

    Leasing is a great option for owning a new vehicle if you want lower monthly payments, like driving a newer car more often, and/or would like a short term commitment. BMW Financial Services provides flexible lease terms of between 24-60 months, as well as yearly kilometre allowances from 16,000km up to 24,000km.

    Trade-In Your Vehicle with Birchwood BMW

    Trading in your current vehicle can significantly decrease the payments on your new or pre-owned vehicle from Birchwood BMW. Get an instant trade-In valuation today!


    Flexible Financing Options via Paybright

    Keep your BMW in prime condition without the upfront costs. The Birchwood BMW Service Department now offers a seamless service financing option through Paybright. Enjoy flexible payment plans, transparent terms, and no hidden fees, ensuring your BMW receives the necessary care while maintaining your budget. Opt for manageable monthly payments and ensure your BMW’s performance and safety are never compromised.