Birchwood Credit Solutions

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Buying a car with bad credit can be difficult, but it can help you to restore your credit, which is an important part of wealth recovery, especially after a bankruptcy. If you want to learn more about responsible car-buying options, then take a look at these helpful links:

• Check out this article about the many benefits of choosing to buy a used vehicle over a new one.
• Read through this simple guide to learn exactly how car warranties work.
• Take a look at this guide from Yahoo Autos to learn how to get an auto loan with bad credit.
• Autos.ca took the exciting new Nissan Versa for a test drive. See what they thought of it in this article.
• Use this guide to learn how you can create a solid car budget

• Read this Nissan release about all of the great changes and upgrades made to the 2012 Nissan

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Check out this thorough overview of the rugged Nissan Xterra at Edmunds.com.

Learn what happens when a person goes bankrupt in Manitoba from Bankruptcy-Manitoba.com.

Get a few tips for shopping for a certified pre-owned vehicle in this article from Cars.com.

For more information, call Birchwood Credit Solutions at (888) 470-2511.

 

The Advantages Offered by Certified Pre-Owned Cars | Birchwood Credit Solutions

Buying a car is a major financial decision, requiring a great deal of research and consideration. One way to ease some of the financial stress of car shopping is by choosing a used car. There are many options when it comes to choosing a source for your used car, such as independent lots and private sellers. However, the best option for used cars is to buy certified pre-owned. Here are some of the advantages of choosing a certified pre-owned vehicle:

• Selection

One great benefit of shopping for your next used car at a dealership is the inventory from which to choose. Dealerships offer certified pre-owned vehicles in a variety of models and trim levels. The options for vehicles and accessories at a dealership are far greater than those offered by an independent seller.

• Reliability

To be sold as a certified pre-owned vehicle, used cars have to go through intensive inspections. If any car cannot meet the high standards set for it, it does not get certified. This assures buyers that certified pre-owned cars are in great condition and will provide years of reliable driving.

• Value

Perhaps the primary reason for buying a pre-owned car is for the savings offered when compared to buying a new car. However, the value of a certified pre-owned vehicle is also great when compared to a used car. Regular used cars tend to need a great deal of maintenance, meaning the cost of ownership will eventually climb far higher than that of a certified vehicle.

• Warranty

One benefit that you will not get with a used car from a private seller is a warranty. Certified pre-owned vehicles come with years of protection from the manufacturer or dealer, which adds convenience, savings, and peace of mind to the upkeep of your car, truck, or SUV.

If you want help finding your next pre-owned vehicle and figuring out how to finance it, then call Birchwood Credit Solutions at (888) 470-2511 today. We help find and finance vehicles for drivers in Manitoba with top-notch services and affordable loans. Contact us online for more information.

 

How to buy a used car | Birchwood Credit Solutions

Choosing a used vehicle is a great way to save money when shopping for a car. There are many options in this process, and while it is not as big of an investment as buying a new car, it does require some research, budgeting, and planning.

This video provides tips for buying a used car. The speakers suggest doing internet research, consulting a mechanic, and keeping many options in mind. Good preparation can lead to an excellent deal on a great car.

If you are ready to purchase a used car, then contact Birchwood Credit Solutions at (888) 470-2511 today. We help the drivers of Manitoba find and finance great vehicles with affordable loans.

 

How and Why Bankruptcy Affects Your Ability to Get an Auto Loan | Birchwood Credit Solutions

In today’s economic climate, many Canadians are dealing with significant debts and trying to stabilize their finances any way they can. As a result of this global recession, bankruptcies have become tragically common. Many debtors see bankruptcy as a way to escape debt and start anew. In reality, a bankruptcy can leave a serious mark on your credit history that can affect your life in many different ways. One problem that arises in the aftermath of a bankruptcy is difficulty in securing an auto loan.

• Damage to Your Credit Score: When an individual files for bankruptcy in Canada, the individual’s bankruptcy trustee will provide all necessary documentation to the Office of the Superintendent of Bankruptcy, who will then notify the affected lenders and the credit bureaus. The bankruptcy will remain on your credit record for six to seven years, depending on the credit bureau, and a second bankruptcy will remain for fourteen years.

• Red Flags for Lenders: A bankruptcy is a significant red flag to lenders, who will quickly determine that you present a significant risk as a borrower. This means that few lenders will work with you on loans, and those that do will probably not offer the rates that may have been offered before your bankruptcy. This is particularly true with auto loans, because although they are secured, the vehicle may not be enough to cover lost funds in the event of a defaulted loan in the first few years.

With a bankruptcy on your credit report, most car loans that one might get will have high interest rates. This can make the car-buying process a challenge, because even choosing to make the necessary sacrifices to take on a costly loan increases the risk of further financial trouble. Potential buyers must therefore avoid these lenders, avoid car purchases, or find specialized lenders.

If you need help recovering from or avoiding a bankruptcy, then call Birchwood Credit Solutions at (888) 470-2511. We help with the selection and responsible financing of vehicles for drivers in Manitoba. Contact us online for more information about our vehicle inventory and affordable loan terms.

Tips for Choosing the Perfect Nissan for You

Nissan has spent the past several decades providing innovative vehicles at affordable prices. With an extensive and diverse lineup, Nissan has a car to fit any driver’s automotive needs. Whether you need to commute across town or conquer rugged terrain, you should have a vehicle that not only gets the job done, but also fits your personality. Here is a brief guide to choosing the perfect Nissan vehicle for you:

• Xterra
  The Xterra has earned a solid reputation as a highly capable SUV. This mid-sized machine was designed with active drivers in mind and has the off-road chops to prove it. With Nissan reliability, the Xterra will carry you through years of adventures, whether it’s new or used.
•  Altima
  The Altima is a great car for the commuter who like a bit of added comfort. Luxuries like heated and leather-wrapped front seats, dual-zone automatic climate control, and iPod connectivity can make long drives enjoyable, while the 6.0-L/100 km fuel efficiency makes them affordable.
• Versa
  Somehow, the redesigned Nissan Versa manages to be both the epitome and the antithesis of the economy car. This sporty compact offers a brilliantly agile ride, plenty of high-tech features, and 5.2-L/100 km fuel economy, all starting at under $12,000.
• Murano
  The Nissan Murano is a comfortable and economical alternative to a mid-size SUV. The spacious yet nimble crossover has grown increasingly elegant over the years, with a stylish body design and features like an advanced navigation system and a programmable driver’s seat position.
• Sentra
  Perfectly suited for daily commutes through city streets, the Nissan Sentra is a comfortable and sensible compact sedan. The Sentra offers a fun driving experience with a 140 horsepower engine, balanced with a smart and eco-friendly 5.7-L/100 km highway fuel efficiency.

If you are looking for an affordable, exciting, and practical car, come to Birchwood Credit Solutions in Winnipeg, Manitoba and check out our selection of Nissan vehicles. We help the drivers of Manitoba find and finance affordable cars. Call (888) 470-2511 or contact us online for more information.