Top 20 Buy Here Pay Here Dealers in Birmingham AL

Looking for a used car dealer in Birmingham AL but your credit is in bad shape?

Connect with top 20 buy here pay here Birmingham AL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Birmingham's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in Birmingham AL

  • DriveTime Used Cars, CA

  • Bryant Used Cars, AL

  • Jim Burke Pre-Owned Super Center, AL

  • Sun Land Auto Sales and Leasing, CA

  • Buy Here Pay Here Birmingham AL, AL

  • Have you ever considered buy here pay here Birmingham AL car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Birmingham AL compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Birmingham buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the Birmingham dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in Birmingham. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • Paramount Auto Sales, AL


  • Hamer Honda, CA

  • Prodigy Auto Sales Inc., CA

  • CarPro, AL

  • Did you know? These BHPH Birmingham AL dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Birmingham dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

  • International Auto Wholesalers, AL

  • MTO Motors, AL

  • Nissan of Mission Hills, CA

  • Auto & Truck Village Inc, CA


  • The phrase buy here pay here Birmingham AL car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Birmingham Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • Magic Auto Center Panorama, CA

  • Robert Dennis Auto Sales, AL

  • City Auto Sales, AL

  • Karplus Warehouse, Inc., CA

  • Tarrant Auto Land Inc, AL

  • Why buy here pay here Birmingham AL car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Birmingham AL car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Birmingham AL dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Birmingham AL Works

    When the bank says no to your car loan, the buy here pay here Birmingham AL car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Birmingham AL dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Birmingham AL car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Birmingham AL Car lots Dealership

    The one thing is very true about buy here pay here Birmingham AL is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Birmingham AL dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Birmingham AL – Fast Approval Low or no credit score

    The buy here pay here Birmingham AL dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Birmingham AL Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Birmingham AL dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Birmingham AL

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Birmingham AL

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Birmingham AL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Birmingham AL accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Birmingham AL is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Birmingham AL buy here pay here Reviews

    Here is what users says about Birmingham BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here Birmingham dealer review by Gabriel-Alan Lopez

      Gabriel-Alan Lopez rated DriveTime Used Cars

      What can I say about Drive Time of Downey. They are on a whole other level of customer service, I wish other dealers were like Drive Time when it comes to customer service. The first time I went Jenna and Manuel helped me out and unfortunately there was a problem with my pay stubs, and they tried everything to resolve the issue so I can drive off with my vehicle that same night. They stood till 10pm and unfortunately it wasn't resolved but not once did they make me feel uncomfortable about keeping them there an hour after they closed. I came in the next day, Jennifer and Alex helped me out. Jennifer was so altruistic, patient, and helped me through the whole process. Jennifer is the definition of excellent customer service. I would highly recommend Jennifer and Drive Time of Downey for your next car purchase.

    2. buy here pay here Birmingham dealer review by 1LuvlyLena .

      1LuvlyLena . rated DriveTime Used Cars

      Anthony was such a great help. He gave me options; explained what each option was and how it would effect me. Made the process quick and easy as possible! Extremely friendly. I will definitely recommend!

    3. buy here pay here Birmingham dealer review by Ladarius Smith

      Ladarius Smith rated Bryant Used Cars

      Keith Bryant is one of the best salesman I have ever encountered. Customer service was above and beyond excellent. He had the deal done in two days with the best offer available to me and got my payments to where I needed them to be. I would recommend anyone looking for a car to come see Keith Bryant at Bryant Used Cars. You would not be disappointed!

    4. buy here pay here Birmingham dealer review by Jenny Jimenez

      Jenny Jimenez rated Bryant Used Cars

      I bought a Mazda from Bryant Used Cars about 2 yrs ago. Joe, Peanut, Keith were amazing and I told them I'd be back again for my next vehicle. Thanks to a deer I totaled my Mazda. I hit Joe back up... I let him know what I wanted and he found me my dream car!! Joe and staff busted their rumps to get me in this car at a price I could afford! They worked an absolute miracle!! These guys went above and beyond in every aspect!!! I will NEVER go anywhere else for a vehicle! You WILL NOT be disappointed!

    5. buy here pay here Birmingham dealer review by julie reid

      julie reid rated Jim Burke Pre-Owned Super Center

      I bought my daughter her first car from Jim Burke and I could not be happier. She loves her car and I love knowing she is in a safe reliable certified pre owned car. Dougie Reid and the whole team did a great job!

    6. buy here pay here Birmingham dealer review by Fernando Pitts Never Fat Again

      Fernando Pitts Never Fat Again rated Jim Burke Pre-Owned Super Center

      I have been employed at the JIm Burke pre owned super center for a little over a year. This has been the best working experience I have ever had. If you are looking for a job where all management is very honest, and have the employees best interest at heart. Look no further Jim Burke auto mall. Is the place for you. Thanks for the opportunity.

    7. buy here pay here Birmingham dealer review by E Lopez

      E Lopez rated Sun Land Auto Sales and Leasing

      Very helpful and friendly business. I'd totally recommend anyone who's looking for a vehicle to go here first and talk with an employee who will surely persuade you with great deals and who will be understanding of previous credit history. Ask for Mickey or Ed they will definitely show you satisfactory deal.

    8. buy here pay here Birmingham dealer review by Camille Martin

      Camille Martin rated Sun Land Auto Sales and Leasing

      This is the best place to buy a used (new) vehicle. Kind, nice, and affordable. Out the door cash and/or payments. Mikki you're the best. ??

    9. buy here pay here Birmingham dealer review by yahya mohammed

      yahya mohammed rated Buy Here Pay Here Birmingham AL

    10. buy here pay here Birmingham dealer review by S E

      S E rated Paramount Auto Sales

      Great experience with the Paramount team. Purchase a late model Audi, no issues with the car, deal was quick and smooth. No used car salesmen tricks just straight talk and good deals. They definitely get my FULL VOTE of confidence.

    11. buy here pay here Birmingham dealer review by Tsmmy Suttle

      Tsmmy Suttle rated Paramount Auto Sales

      This dealership is very helpful an very pleasant. For anyone that need a car see Carlos.

    12. buy here pay here Birmingham dealer review by Thrift Addicts & LilRuffRydrz

      Thrift Addicts & LilRuffRydrz rated ETHAN HUNT AUTO BIRMINGHAM

      The inventory that have is the best you will find within a 500-mile radius you will not find the same type of vehicle in the same condition and amount of miles at a lower price but if you're the type to try and haggle the price down don't even waste your breath the salespeople make the same off each car no matter if it's sold for $10 or 10,000 however if you try to work there make sure you don't have any sort of issues because the owner isn't too forgiving no matter how hard you try to work especially if it first you don't get paid anything at all except Commission

    13. buy here pay here Birmingham dealer review by Jeremy


      Great selection of custom and luxury used vehicles. Check out the website to see every angle of the vehicle you're considering to purchase.

    14. buy here pay here Birmingham dealer review by Lene capers

      Lene capers rated Hamer Honda

      Let me begin by saying the only reason I gave Hamer Honda five stars is because there isn't a ten star rating available! I went to Hamer Honda because I had just landed a new job and when I say new I mean I started my new job earlier in the same week and needed a car because I live in Granada Hills, CA and my job is in Torrance. I saw a used Toyota X-terra (online) that was selling for $4,995 and since I only had $500 cash I thought I would use it as a 10% down payment. So I called them up and spoke with Cody who told me the X-terra was still available. I told him I would be there in an hour. But, I didn't make it there that night and by the time I showed up the X-terra had been sold. But, Cody, asked me if I had time to hang out for a little while to see what he could do for me and told me to go ahead and look around to see what I liked... Which was every car they had in stock! But, none of the cars I saw were in "my price range" and knowing my credit was so far from even being able to be described as "fair" because I didn't even HAVE a credit score, made me feel as if I was wasting not only my time but Cody's too. So I explained the sad truth to him telling him about not even having a FICO credit score and having worked at my current job for less than one week... I was pretty sure the entire experience would equate to an exercise in futility before it was over. And, it wasn't until Cody came back from meeting with his finance manager and took me out to a line of beautiful brand new 2019 Hondas and asked me "if I can get you into this 2019 Civic with same type of autonomous drive features that TESLA offers.. would that interest you?" that I began to believe that I might have actually found a solution to my monster commute and non-existent credit situation. So "interest me?" It sure would.. is what I thought... as Cody went onto explain that these were the ultimate commuter cars and would make my daily commute from Granada Hills to Torrance a pleasure cruise. And I knew he was right. But I was just as sure that my credit would preclude anything of the sort from ever becoming a reality. However to make a long story a short story with a happy ending, I'm now on the road to rebuilding my credit with the financing Cody and his Credit Manager were somehow miraculously able to arrange through Honda Financial Services! The moral of the story is that if the staff at Hamer Honda were able to get ME into a brand new 2019 Honda Civic they can do it for you too! So, next time you're in the market for a new ride don't forget to go see the super friendly and accommodating staff at HAMER HONDA IN RESEDA and drive home HAPPY like I did! Check out the photos of my new ride... And I will see you on the road! Beep beep! Lol! Go to Hamer Honda in Reseda, and ask for Cody for an awesome car shopping experience and dream ride like mine. My thanks to Cody! And the rest of the staff at Hamer Honda in Reseda, CA. Their commercials don't lie... They REALLY ARE "The helpful Honda people!".

    15. buy here pay here Birmingham dealer review by Garrett Frantz

      Garrett Frantz rated Hamer Honda

      Andrea and management team were great. They were fast, professional and fair from start to finish. We are very pleased with our 2019 Honda Accord Sport!!!! Thank you so so much!

    16. buy here pay here Birmingham dealer review by Christina Lew

      Christina Lew rated Prodigy Auto Sales Inc.

      Best car buying experience I've ever had. They made it quick and easy and I would def recommend buying your next car here.

    17. buy here pay here Birmingham dealer review by Barbara Toribio

      Barbara Toribio rated Prodigy Auto Sales Inc.

      Safi was recommended to me by one of my co workers. I have to say this was thee most stress free buying process I've gone through. From the moment I gave him a call he was on top of everything and was very honest with my situation. I was able to trade in my 2008 Yaris for a 2019 Camry. If his service wasn't enough he got the car delivered to me and picked up my trade. He was also sitting right next to me while I signed all the papers to make sure I understood everything. I recommend everyone to Safi and Prodigy Sales they are the BEST! Thanks again Safi.

    18. buy here pay here Birmingham dealer review by Kevin McKinnon

      Kevin McKinnon rated CarPro

      Love this place great people and was very helpful on getting me and my wife a car and didnt rush us or push us into something. And as add bonus they sat there and just talked with us .

    19. buy here pay here Birmingham dealer review by Monica Woodruff

      Monica Woodruff rated CarPro

      Good cars and the people that own it love them been dealing with them for 4 years now don't see myself going to no other car dealership

    20. buy here pay here Birmingham dealer review by B Moore

      B Moore rated International Auto Wholesalers

      Great service great cars....

    21. buy here pay here Birmingham dealer review by Keisha Lagrone

      Keisha Lagrone rated International Auto Wholesalers

      Thank u so much juan for gwtting us in our dream car me and my husband are extremely happy with are new vehicle

    22. buy here pay here Birmingham dealer review by Paige WILLIAMS

      Paige WILLIAMS rated MTO Motors

      Stan (Stanley) did very well helping me get into the vehicle I wanted. He was professional and very helpful. I truly appreciate his effort helping me get the car I wanted. Not only that but he was honest and upfront about every vehicle I was interested in. Thank you Stan!

    23. buy here pay here Birmingham dealer review by Allman Alford

      Allman Alford rated MTO Motors

      They was nice and polit

    24. buy here pay here Birmingham dealer review by John Castro

      John Castro rated Nissan of Mission Hills

      I recently moved out here from the East Coast and I was very pleased and happy with the help of Martin. Very knowledgeable and helpful with any questions or concerns that I had. I most definitely will return to deal with him in the future and as well will refer friends and family to him. Thank you Martin for all of your help and positive friendliness.

    25. buy here pay here Birmingham dealer review by Adam M

      Adam M rated Nissan of Mission Hills

      Excellent Auto Techs at this location, as well as a variety of available parts in stock and amazing customer service

    26. buy here pay here Birmingham dealer review by Ana-Catri Estrada

      Ana-Catri Estrada rated Auto & Truck Village Inc

      Best place to buy a car! Family owned business has assisted my family with the purchase of many cars. Arman and Suzie treat you like family and have different cars for your budget! All cars are of quality with fair pricing! Thank you guys for car # 7 ?

    27. buy here pay here Birmingham dealer review by aram janikyan

      aram janikyan rated Auto & Truck Village Inc

      I buy all my cars from here, very pleased with all of them never had any problems with the cars in my time of ownership.

    28. buy here pay here Birmingham dealer review by janet beckles

      janet beckles rated SHIELD AUTO SALES

      Bought a inexpensive starter car ( as is no warranty). Got home and the check engine light came on. Called them and took the car back. They had it fixed and offered to pay for my uber home. Great young men. I would suggest giving them your business

    29. buy here pay here Birmingham dealer review by Freddy Hernandez

      Freddy Hernandez rated SHIELD AUTO SALES

      Literally just left this place. Arman is so friendly and very knowledgeable. He definitely takes care of you and is genuinely interested in building that relationship. I definitely recommend this place to anyone out there who is apprehensive about the car buying experience. He made everything so quick and easy! Keep up the great work!

    30. buy here pay here Birmingham dealer review by Tony Montes

      Tony Montes rated Magic Auto Center Panorama

      Thanks to the guys at Magic for helping me when nobody would. Fernando was awesome and is giving me time to bring more down payment. Tony kept his word and got me approved!

    31. buy here pay here Birmingham dealer review by Rebecca Waters

      Rebecca Waters rated Magic Auto Center Panorama

      I saw the car that I liked and Tony made sure that it was the car that I left with! If you want to get a reliable car, make sure you come this place! They will take care of you!

    32. buy here pay here Birmingham dealer review by Martha Moore

      Martha Moore rated Robert Dennis Auto Sales

      Great used cars

    33. buy here pay here Birmingham dealer review by Tiease Sanders

      Tiease Sanders rated Robert Dennis Auto Sales

      I bought a very nice car from them very nice people and highly recommended and experience salesman and they care about the people and that’s what we need??????

    34. buy here pay here Birmingham dealer review by Kimberley Taylor

      Kimberley Taylor rated City Auto Sales

      2 Words... Bart Morris! Bart Morris! Bart Morris! He will take care of you like family. I will be a repeat customer. Try Bart before anywhere else! Customer Service matters to him.

    35. buy here pay here Birmingham dealer review by Natia Long

      Natia Long rated City Auto Sales

      Very professional and great cars ,I love them!

    36. buy here pay here Birmingham dealer review by Luis Santacruz

      Luis Santacruz rated Karplus Warehouse, Inc.

      This place (karplus)is the place to get a car, after seeing the ad online they called us once in the morning to verify we needed some help and then one more a few hours later to see if we are coming.karplus to us were very honest,attentive and did everything possible to get us in our new car and they succeeded. I highly recommend this car dealership to purchase a vehicle.

    37. buy here pay here Birmingham dealer review by Santonia Harris

      Santonia Harris rated Tarrant Auto Land Inc

      I purchased a 99 BMW 528I from them, and for the price it was a steal. I bout it last year as is, and it still runs great with 20,000+ miles on it. I would highly recommend them, simply bc they were honest and very customer/business friendly.

    38. buy here pay here Birmingham dealer review by Adrienne Gray

      Adrienne Gray rated Tarrant Auto Land Inc

      Never bought a car before, but I need a ride bad that's gonna get me from point a to b without major issues.... Can you all help

    BHPH Birmingham AL dealer

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