Buy Here Pay Here Birmingham AL - 12+ Local Dealers

Birmingham, AL features more than 12 buy here pay here dealers offering vehicles with in-house financing for local buyers. These Birmingham BHPH dealers provide used cars, trucks, and SUVs with flexible payment schedules designed to fit various budgets. Buyers can find options ranging from high-rated dealerships like EchoPark Automotive Birmingham to smaller local sellers.

24 dealers4.5 average ratingUpdated Sep 2026

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buy here pay here car dealers in Birmingham, Alabama

How Buy Here Pay Here Works in Birmingham, AL

Buyers in Birmingham use buy here pay here dealers to get financing directly through the dealership, bypassing traditional credit bureaus. Payment schedules and down payment requirements vary by dealer. To choose the best Birmingham BHPH dealer, buyers should compare vehicle selection, dealer ratings, financing terms, and customer reviews. This helps find the right fit for their credit and budget needs.

How to choose a dealer in Birmingham

  • Choose Birmingham dealers with high customer ratings and many reviews for reliability.
  • Compare in-house financing terms offered by Birmingham BHPH dealers to find affordable payment plans.
  • Look for Birmingham dealers that provide clear information on down payment and payment schedules.
  • Visit multiple Birmingham buy here pay here dealers to inspect vehicle condition and options.
  • Check if Birmingham dealers report payments to credit bureaus if improving credit is a goal.
  • Consider Birmingham dealerships with transparent policies on repossession and late payments.

24 dealers in Birmingham, AL

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Auto Hub LLC in Birmingham

Auto Hub LLC

4.8(360 reviews)

Auto Hub LLC is a Birmingham car dealer offering professional sales service and a wide inventory of vehicles at 200 Roebuck Plaza Dr.

Hours today
9:00 AM – 6:00 PM
Address
200 Roebuck Plaza Dr, Birmingham, AL 35206
Type
car dealer
Hallmark Auto Group in Birmingham

Hallmark Auto Group

4.6(972 reviews)

Hallmark Auto Group is a car dealer in Birmingham, Alabama, offering a diverse inventory of new and used cars, trucks, vans, and SUVs.

Hours today
9:00 AM – 7:00 PM
Address
513 14th St N, Birmingham, AL 35203
Type
truck dealer, car dealer
Bryant Used Cars in Birmingham

Bryant Used Cars

4.6(72 reviews)

Bryant Used Cars is a Birmingham dealership offering pre-owned vehicle sales, in-house financing, and credit rebuilding services for local customers.

Hours today
9:00 AM – 5:00 PM
Address
5119 Pinson Valley Pkwy, Birmingham, AL 35215
Type
car dealer
Iron City Imports in Birmingham

Iron City Imports

4.4(159 reviews)

Iron City Imports is a buy here pay here dealership in Birmingham, Alabama, offering used vehicle sales and customer-focused financing assistance.

Hours today
10:00 AM – 6:00 PM
Address
3120 Carson Rd, Birmingham, AL 35215
Type
car dealer
Driver's Way Hwy 280 in Birmingham

Driver's Way Hwy 280

4.4(150 reviews)

Driver's Way Hwy 280 is a Birmingham car dealer offering late-model used vehicles, professional repair services, and seven-day-a-week customer support.

Hours today
9:00 AM – 7:00 PM
Address
5470 US-280, Birmingham, AL 35242
Type
car repair, car dealer
Wayne's Auto Sales in Alabaster

Wayne's Auto Sales

4.3(184 reviews)

Wayne's Auto Sales is a buy here pay here dealership in Alabaster, Alabama, offering used trucks, cars, and in-house financing options.

Hours today
9:00 AM – 5:30 PM
Address
1301 1st St N, Alabaster, AL 35007
Type
truck dealer, car dealer
Alabama Car Land in Birmingham

Alabama Car Land

4.2(133 reviews)

Alabama Car Land is a Birmingham-based dealership offering pre-owned vehicles and financing assistance to local customers seven days a week.

Hours today
10:00 AM – 6:30 PM
Address
9800 Parkway E, Birmingham, AL 35215
Type
car dealer
MTO Motors in Birmingham

MTO Motors

4.1(315 reviews)

MTO Motors is a buy here pay here dealer in Birmingham, Alabama, offering in-house financing for used cars and trucks.

Hours today
8:30 AM – 5:00 PM
Address
7212 1st Ave N, Birmingham, AL 35206
Type
car dealer
Preferred Imports in Birmingham

Preferred Imports

4.0(224 reviews)

Preferred Imports is a Birmingham-based dealership offering a selection of pre-owned and luxury vehicles with six-day-a-week service.

Hours today
9:00 AM – 6:00 PM
Address
2415 4th Ave S, Birmingham, AL 35233
Type
car dealer
Southside Imports in Birmingham

Southside Imports

3.9(77 reviews)

Southside Imports is a used car dealer in Birmingham, Alabama, offering a selection of pre-owned cars, trucks, and SUVs six days a week.

Hours today
10:00 AM – 6:00 PM
Address
2400 2nd Ave S, Birmingham, AL 35233
Type
car dealer

Which Buy Here Pay Here Dealers in Birmingham Are Rated Highest?

EchoPark Automotive Birmingham ranks first among Birmingham dealers with a 4.9 Google rating from 7,934 reviews. The ranking weighs each dealer's Google rating by its review volume (minimum 10 reviews), so a 4.6 with 800 reviews outranks a 5.0 with 12.

#DealerRatingReviewsOpen SundayPhone
1EchoPark Automotive Birmingham2001 Tom Williams Way4.97,934No+1 205-670-2459
2Americars Group, LLC1169 Alford Avenue4.9485No+1 205-322-7171
3Auto Hub LLC200 Roebuck Plaza Drive4.8360No+1 205-573-6000
4Southside Automotive Group2400 2nd Avenue South4.8318No+1 205-378-6830
5Hallmark Auto Group513 14th Street North4.6972No+1 205-509-2834
6Homewood Auto Sales251 West Valley Avenue4.6149No+1 205-945-4945
7Holmes Motors Birmingham9008 Parkway East4.5567No+1 205-395-3123
8Auto Professional 2 INC555 Bessemer Super Highway4.5427No+1 205-923-1062
9Bryant Used Cars5119 Pinson Valley Parkway4.672No+1 205-681-6080
10Harold Akins Auto Sales1300 9th Avenue North4.5148No+1 205-424-2546

Buy Here Pay Here in Birmingham: Common Questions

How does buy here pay here financing work in Birmingham?

Buy here pay here financing in Birmingham means the dealership provides in-house loans directly to buyers. Buyers make payments directly to the Birmingham dealer without using traditional banks or credit bureaus.

What do Birmingham buyers need to qualify for BHPH financing?

Birmingham buyers typically need a valid ID, proof of income, and a down payment to qualify for buy here pay here financing. Requirements vary by dealer but are generally more flexible than bank loans.

Can Birmingham buyers improve credit through buy here pay here dealers?

Some Birmingham buy here pay here dealers report payment history to credit bureaus, which can help improve credit scores. Buyers should confirm this with each dealer before financing.

Are there many buy here pay here dealers in Birmingham, AL?

Yes, Birmingham, AL has more than 12 buy here pay here dealers listed, providing a variety of vehicles and financing options to local buyers.

Buy Here Pay Here Dealers Near Birmingham

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