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Save More on Your Next Ford in Birmingham AL at Stivers Ford of Birmingham

Realizing your automotive dreams is easier than ever thanks to the Stivers Ford of Birmingham team. Whether you are looking to make the most out of your budget with a reliable and clean used car, truck, or sport utility vehicle (SUV) or the latest premium offering from Ford catches your eye, one fact remains consistent: Getting what you want out of this important major life event is a breeze with Stivers Ford of Birmingham on your side.

Want to learn more about the Stivers Ford of Birmingham difference yourself? Then follow along as offer up an in-depth look at the myriad reasons why savvy shoppers in and around Birmingham turn to our team of friendly automotive experts first when the time comes to drive home in an affordable used car or one of the latest Fords to roll onto our showroom floor.

Countless Options to More Than Meet Your Unique Needs

One of the biggest reasons why people from all over Birmingham shop at Stivers Ford of Birmingham comes in the form of our ample inventory. With access to hundreds of new and used vehicles, including pre-owned options from a variety of automakers and the latest members of the Ford family, it is safe to say that the right car for you is already waiting on our lot. The only thing left to do is the easiest part of the whole process: Come in and take it for a test drive yourself before taking it home to park in your front driveway or garage.

The icing on this cake? Stivers Ford of Birmingham respects your budget and takes immense pride in pairing up our customers with their dream vehicles, so you can also count on us to provide the best possible prices in Birmingham. From budget-friendly used cars, trucks, and SUVs to a wealth of incentive programs and specials on new Ford vehicles, you can shop with confidence knowing that the automobile you've always desired is both in stock and available at Stivers Ford of Birmingham at a great price.

Getting Financed at Stivers Ford of Birmingham Is Easy

One of the most common questions we get on a daily basis focuses on the process of securing financing for a great new or used car, truck, or SUV. Fortunately, getting financed at Stivers Ford of Birmingham is always an easy, quick, and simple undertaking, regardless of which vehicle we have listed for sale at a great price strikes your fancy.

When the time comes to lock in the right loan for you and your automotive future, our team of financing experts will be ready and willing to guide you through each step of this important process and leverage our connection with a host of different lenders to pair you up with the perfect loan for your unique financial situation. All you have to do is kick back and let the men and women behind Birmingham's most enjoyable and convenient car buying and financing process handle things on your behalf. For first time car buyers and returning Stivers Ford of Birmingham customers alike, there's plenty to love with this leading approach to getting the right financing for your next car loan.

The Perfect New Ford Is Waiting for You

Not quite sure which stunning new Ford car, truck, or SUV is right for you and your family as you make your way around Birmingham? Then spend a moment with us as we shine a spotlight on some of the most exciting new offerings from Ford that are ready and waiting for you to come in and take for a spin today:

Blue Ford Bronco for sale or lease at Stivers Ford of Birmingham in Birmingham AL.

Ford Bronco

If you're looking for an SUV that can take on any adventure in Birmingham, the new Ford Bronco is the perfect choice. With its seven "Goes Over Any Type of Terrain" (G.O.A.T.) driving modes, the High-Performance Off-Road Stability Suspension (HOSS) System, and durable underbody protection, the Bronco is equipped to handle even the toughest of terrains. Plus, with its bold design and countless other trail-ready features, it's never been easier to leave the asphalt behind and embrace your inner adventurer.

Light blue Ford F-150 Lightning for sale or lease at Stivers Ford of Birmingham in Birmingham AL.

Ford F-150 Lightning

The Ford F-150 has taken on a new level of power with the introduction of the electric Lightning edition. This pickup boasts an estimated range of 320 miles, a quick acceleration of 0 to 60 mph in around 4.5 seconds, and a formidable towing capacity of 10,000 pounds, making it capable of tackling any task. Plus, with its eco-friendly electric powertrain, the F-150 Lightning combines the rugged capabilities of the classic F-150 with a new level of sustainability. Don't miss out on the chance to experience the best of both worlds with this impressive electric pickup.

White Ford Mustang Mach-E for sale or lease at Stivers Ford of Birmingham in Birmingham AL.

Ford Mustang Mach-E

If you're looking to add some excitement to your daily commute, consider the new Ford Mustang Mach-E. This electric powerhouse combines the iconic style of the Mustang with the efficiency of an all-electric engine, allowing it to accelerate from 0 to 60 mph in just 3.5 seconds and travel over 300 miles on a single charge (when properly equipped). So why settle for a boring commute when you can experience the thrill of traditional Mustang power with the added benefits of an eco-friendly ride?

Black Ford F-150 for sale or lease in Birmingham AL at Stivers Ford of Birmingham.

Ford F-150

If you demand the best in the pickup truck market, then it's time to make the Ford F-150 your new ride. With its top-of-the-line towing capabilities, advanced Ford SYNC technology, durable military-grade aluminum body, and numerous other features, it's no wonder the F-150 is America's favorite truck. So why waste your time considering any other options? Choose the best and leave the competition in the dust.

Blue Ford Explorer for sale or lease at Stivers Ford of Birmingham in Birmingham AL.

Ford Explorer

The new Ford Explorer is the perfect vehicle for your next adventure. With its spacious seating for seven, the available Cargo Management System to keep all your belongings organized and easily accessible, and a stunning twin-panel moonroof, this SUV has everything you need to make your road trip the journey of a lifetime. And with its numerous other premium features and class-leading capabilities, it's no wonder so many people turn to the Explorer when it's time to hit the road. So why wait? Start planning your next adventure and get behind the wheel of this amazing vehicle.

Gray Ford Maverick for sale or lease at Stivers Ford of Birmingham in Birmingham AL.

Ford Maverick

The Ford Maverick is a compact pickup that knows how to blend power and flexibility seamlessly. Whether you enjoy access to DIY bed storage dividers, built-in Apple CarPlay and Android Auto functionality, or premium upgrades (including a comfy eight-way power driver's seat and 18-inch machined aluminum wheels), odds are that the Maverick and its copious customization options will end up being the perfect match for you as you make your way around Birmingham.


Want to dive even deeper into the Ford difference and take one of these outstanding vehicles out for a test drive? Then go ahead and call the team of friendly professionals here at Stivers Ford of Birmingham today and we will assist you as you work toward the new Ford car, truck, or SUV that suits your daily commute here in Birmingham perfectly.

Take Advantage of Birmingham's Leading Used Car Lot

If a pre-owned vehicle is more your speed, then we have some great news: You have come to the right place. Stivers Ford of Birmingham is proud to serve as the home of Birmingham's leading used car lot, so you can always count on our team to have exactly what you are looking for in your next used car purchase. From exciting Certified Pre-Owned vehicles from Ford that come with ironclad quality guarantees and protections that are sure to keep you confident along every mile traveled, to a host of other used cars, trucks, and SUVs from a variety of other automakers, our selection is second to none here in Birmingham and sure to have exactly what you are looking for out of your next used car purchase.

The best part about shopping for a great used car with our team of helpful professionals on your side? By tapping into the Stivers Ford of Birmingham difference during this crucial process, you can enjoy fast, friendly financing, low prices, and reliability that is never in question, regardless of which pre-owned vehicle fits your unique situation and preferences. Each and every pre-owned vehicle showcased on our lot must undergo a rigorous inspection process, so you can shop with confidence knowing that reliability and lasting quality always go hand-in-hand with affordability on our used car lot.

Let Us Help You Today

Now that you understand why so many discerning car buyers in Birmingham turn to us first, there is really only one more question to answer: Are you ready to come enjoy all of the benefits that come with shopping at Stivers Ford of Birmingham? If so, call 205-964-8980 today to schedule an appointment with one of our friendly used car or Ford experts. After doing this, you will be well on your way to securing both a great deal on the car you've always wanted and the right loan at a rock-bottom interest rate.

Get Directions to Stivers Ford of Birmingham

Does Stivers Ford of Birmingham sell used cars?

Yes. Buying a clean, affordable used car on our lot at a great price is easy. Simply browse our expansive online inventory and you'll see precisely why Stivers Ford of Birmingham is the first name so many turn to in Birmingham when the time comes.

Why should I buy a used car from Stivers Ford of Birmingham?

Because so many other discerning car shoppers in Birmingham turn to us first. For some, the allure of shopping with us comes from our outstanding selection of quality used cars and our affordable pricing that always puts your budget first. For others, our respectful team and a shopping environment that places a priority on your comfort and satisfaction serves as the cherry on top.

When paired with our plethora of positive customer reviews, the above benefits of buying a used car from Stivers Ford of Birmingham make one thing readily apparent: You will always find the most enjoyable and budget-friendly used car shopping experience in Birmingham at our friendly and clean used car lot.

Does Stivers Ford of Birmingham offer used car specials?

Yes. Check out the latest deals on our used car specials page and see for yourself just how much we can save you on the stellar used car, truck, or SUV you've always wanted.

Am I getting the best price in and around Birmingham?

Absolutely. Whether you are celebrating a recent graduation, a new job, or you have a new baby on board, one thing always remains the same: We have the most fantastic prices in Birmingham on quality cars, trucks, and SUVs. Our team takes an extreme amount of pride in delivering this massive amount of value directly to you during whichever major life event brings you to our showroom floor, so you can shop with confidence knowing that you really are getting the best price possible on the vehicle that piques your interest.

How do I pick the right used car to buy?

It's easy with Stivers Ford of Birmingham on your side. We have helped thousands of used car buyers with this process over the years, and the best place to start is by considering the particulars of your unique situation. Are you interested in the utility of a pickup, the ample legroom of an SUV, or the eco-friendly gas mileage of a compact car or sedan to help lower the cost of fuel that comes with your daily commute?

Once you have spent some time pondering these questions, browse our expansive online inventory or call (205) 941-6070. From here, we will be more than happy to assist you in exploring all of your options and help ensure that you drive away from our used car lot with a smile on your face and in a used car that suits you perfectly.

Is every vehicle on this website for sale?

Yes. If you see a vehicle listed on our website, that means it has already passed our rigorous quality inspection process and is ready and waiting to impress you when you come in to take it for a test drive.

Will Stivers Ford of Birmingham pressure me into buying a car I'm not sure about?

No. Your comfort and satisfaction are our primary focus, so you can shop with confidence knowing that you are in complete control of this process from start to finish. Our sales team has a sterling reputation based on our commitment to always doing right by local car shoppers, which is why so many individuals in Birmingham proudly consider themselves customers for life.

What if Stivers Ford of Birmingham doesn't have the used car I want?

We are dedicated to sourcing quality used vehicles for all of our customers, so let us know what you are in the market for and we'll get to work immediately on finding your preferred used car through our expansive dealer resource network. Use our handy used car locator service today and you'll soon find yourself driving home in your dream car, truck, or SUV.

Can I compare used cars for sale?

Yes, and it only takes a couple of clicks to leverage the power of our useful comparison tool. For each vehicle you would like to compare side-by-side, click the button labeled "Compare" on the vehicle details page, or the comparison arrows icon for the associated vehicle on the list page you are currently viewing.

Once you are done selecting all of the vehicles you want to review, click the "My Compared Vehicles" button located in the toolbar at the top of every page on our site and then the option labeled "View Compared Vehicles". After doing this, you'll find yourself on a custom, private page generated exclusively for you that compares the important specs and details related to you hand selected assortment of vehicles that appeal to you.

How do I know Stivers Ford of Birmingham's used cars for sale are reliable?

All incoming used cars undergo a rigorous inspection process that ensures our vehicles meet — and exceed — your expectations. Holding our inventory to the highest standards possible guarantees that you enjoy peace of mind and comfortable travel.

What is the difference between a used car and a certified pre-owned (CPO) vehicle ?

Great question. A certified pre-owned (CPO) vehicle is a used car, truck, or SUV that comes with a warranty backed by the manufacturer, in addition to other premium services, like 24/7 roadside assistance. To earn this designation, the CPO vehicle must have less than a set limit of miles traveled and pass an in-depth multipoint inspection. As for used cars at Stivers Ford of Birmingham, these offerings also undergo a rigorous inspection process to guarantee superb quality, in addition to providing you with access to the remainder of the factory warranty (if applicable) in terms of extended coverage.

Can I schedule a test drive at Stivers Ford of Birmingham?

Yes, and it only takes a moment to schedule an appointment. Call (205) 941-6070 and we will get you on the books for a complimentary test drive of whichever vehicle piques your interest and offer guidance to you along every step of the way until you find the ideal car that fits your unique needs.

Do I need to test drive a car before I buy it?

We highly recommend taking advantage of this complimentary service. Feeling good about buying a quality used car, truck, or SUV that will last you long into the future requires being completely comfortable with the vehicle that intrigues you. Our experts transportation consultants are happy to schedule a quick test drive so that you can proceed with confidence when the time comes to finalize this major decision.

When is the best time to come shop at Stivers Ford of Birmingham?

Anytime during our normal operating hours. We always have a friendly and helpful car consultant available to help you find the right car or truck that fits your routine. Feel free to stop by at any convenient time for you, or give us a call at (205) 941-6070 to schedule an appointment so we can be ready to drive the car you're looking at when you get here. Either way, you'll find that shopping at Stivers Ford of Birmingham is always a pleasant and convenient experience.

Will Stivers Ford of Birmingham deliver the vehicle I purchase?

Our team is always looking for new and exciting ways to provide even more value to our customers, so we would love to work with you and see if we can accommodate this request. We are always ready and waiting to go over important details regarding this process (including your proximity to our Birmingham location, preferred delivery date, and vehicle weight), so call (205) 941-6070 today and we will work hard on your behalf to find the best possible way to fulfill your desired vehicle delivery.

Can I see a vehicle history report?

Yes. Transparency is a cornerstone of our car buying experience, so our friendly sales team is pleased to provide you with an accurate and up-to-date vehicle history report covering every vehicle that piques your interest in our inventory. Each used car sold on our lot adheres to a strict commitment to quality and reliability, so shop with confidence knowing that a complimentary, comprehensive vehicle history report that confirms this sterling standard is always available for you at Stivers Ford of Birmingham.

What if I am not happy with the car I purchased?

We are committed to your satisfaction throughout each phase of the car buying process — even after you sign on the dotted line. Our team is only a quick phone call away, and we will do everything in our power to allay any concerns you might have regarding your recently purchased used car, truck, or SUV. This way, you can keep riding around Birmingham in style and enjoy all of the benefits that come with upgrading your daily driver.

Does Stivers Ford of Birmingham sell new Ford vehicles?

Yes, we proudly offer the latest exciting, feature-rich vehicles straight from Ford. As soon as you pick out your dream Ford vehicle, you can count on our friendly team to work out the details. If you're a new Ford shopper in Birmingham, there is plenty to love about our blend of outstanding selection, premium service, and impressive financing.

Why should I buy a new Ford vehicle?

Buying a new Ford from us is the easiest and most convenient way to get the biggest bang for your buck when upgrading into an exciting new vehicle. Known for their reliability, performance, and affordability, Ford vehicles are the cream of the crop in the automotive world and sure to turn heads here in Birmingham.

Owning one of these fine automobiles is also the ultimate opportunity to save a ton of money and enjoy the confidence that comes with parking your dream car in your garage. If you're in the market for a major upgrade to your daily routine, come on in and we'll find a way to make it happen.

Do new Ford vehicles come with a warranty?

Yes. Ford wants you to be more than satisfied long after you roll off of our lot in your stunning new car, which is why each and every award-winning new Ford we sell comes with a plethora of protections via a copious warranty program. For more information about the warranty and safeguards that come with a new Ford, call (205) 941-6070 or come on in to talk to one of our friendly consultants.

Can Ford work with me on the price of a new Ford vehicle?

Yes. Getting you behind the wheel of the Ford you want is one of our favorite things to do. Every shopper comes from a unique financial background, so we take pride in being flexible with financing. Let us work our magic to find you a comfortable solution that works for you. It's easy, convenient, and we can get it done quickly.

What are the benefits of buying new versus buying used?

This is a great question. Stivers Ford of Birmingham has years of experience spotlighting the advantages related to these two choices, so here's a quick overview.

Buying a new car is a great idea if:

  • You like driving new cars.
  • You want the latest and greatest in terms of safety technology.
  • Cutting-edge infotainment and connectivity with your smart devices is a top priority.
  • You like the confidence that comes with being protected by a Ford warranty.
  • You want the lowest interest rate possible.
  • You want to take advantage of new car incentives directly from Ford.

Buying used is probably the right call if:

  • The budget-friendly nature of pre-loved cars appeals to you.
  • You want to get more bang for your buck and are seeking a gently used premium option.
  • Keeping your car insurance rates low is important to you.
  • You want to take advantage of Stivers Ford of Birmingham's commitment to reliability through our in-depth inspection, repair, tune-up, and detail process.
Why choose Stivers Ford of Birmingham over the competition?

Because you want to feel respects and choose from one of the best selections of reliable vehicles that in or around Birmingham. Or because you want to take advantage of customer-first, affordable pricing. Maybe because leaning on the assistance of friendly professionals who can cater to your unique situation and help guide you through the search for the right vehicle is an invaluable asset to have on your side during this major moment in your life.

Simply put, because you — like other discerning shoppers — deserve to enjoy all of the benefits that come with shopping at the most trustworthy dealership in or around Birmingham.

Why should I buy from Stivers Ford of Birmingham?

Buying a car from us is all about maximizing your return on this major investment. Our friendly sales professionals always put your needs first, and will help you navigate our expansive selection of reliable, affordable, and alluring cars and trucks. At Stivers Ford of Birmingham, we've crafted a shopping experience that makes finding your perfect car straightforward and downright fun!

What are Stivers Ford of Birmingham's hours?

Stivers Ford of Birmingham's current hours of operation can be found on our contact page. Our business hours are subject to change throughout the year based on seasonal considerations. We stay open long hours so that serving your travel needs is as convenient as possible.

Where is Stivers Ford of Birmingham located?

We are always a phone call and typically just a short drive away. We stay vigilant in service and we are always ready to help you upgrade your daily driver. To make planning out a quick trip to our showroom floor even easier, you can find our official address for your GPS or map app below.

1922 2nd Ave S

Birmingham, AL 35233

How can I get a hold of someone at Stivers Ford of Birmingham?

With a quick and friendly phone call. Dial (205) 941-6070 when you are ready to tap into the expertise of our team and we will help you get to cruising the streets in the perfect vehicle for you.

What kind of loan rates does Stivers Ford of Birmingham offer?

Stivers Ford of Birmingham is committed to offering you the most competitive financing rates possible in Birmingham. How do we do this? By working with lots of lending institutions and being flexible regarding your credit history, loan terms, and past financial hardships or considerations, we are able to provide access to impressively low rates that put you behind the wheel of your dream car and still keep your bank account happy along the way.

Want to learn more about your specific loan rate? It's easy, call (205) 941-6070 today.

Can I finance my taxes, registration, and other fees?

Yes. Nearly all car loans bundle the taxes, registration fees, and other expenses into the loan. This is a great way for savvy shoppers to reduce the upfront expenditure associated with buying a car and registering it.

Can I include the cost of service contracts, GAP insurance, accessories, and other vehicle related items in the total amount that I finance?

Yes. We know that being flexible with financing additional services over time goes a long way toward making the car-buying process more convenient and relaxed for everyone.

If you would like to take advantage of optional upgrades when financing your next car, truck, or SUV, let us know when you come in and we will be happy to help you spread out the cost of over the term of your loan.

Can I get financed with no money down?

Yes. Stivers Ford of Birmingham offers zero down payment financing to qualified buyers. Let us know that you want to consider this option when the time comes to apply for a loan and we will help you get it done.

Can I get financed if I don't have good credit?

Yes, we do it everyday. We work with lots of different lenders to help people from all walks of life get into suitable cars and trucks. We shop your loan on your behalf which pits the banks against each other and gets you the best possible rate, regardless of your credit history.

Can Stivers Ford of Birmingham help me get a loan if I have no credit history?

Yes. Connecting first-time buyers with the loan they need to purchase a new or used car is one of our many specialties. Call (205) 941-6070 today and we will be happy to lay out how our approach makes financing easy and simple for newer and first-time car buyers.

Can Stivers Ford of Birmingham help me get a car loan if I have recently gone through a bankruptcy?

Good question. We've helped many customers in this situation secure the financing they need to get into a reliable and affordable used car. Thanks to our easy loan application process, all it takes is a few minutes to get the process started. We can often leverage our large network of banks to find a trusted partner that will make an exception if your life situation has improved markedly since the hiccup.

Can Stivers Ford of Birmingham help me get financed if I am disabled or on Social Security?

Yes. Getting approved for the right loan as a person receiving disability and Social Security disbursements is a piece of cake with our helpful finance experts on your side. Many lending institutions consider these payments as sources of income when determining the type of loan you qualify for and the loan's total value — a crucial fact that greatly improves your terms when you are approved for financing.

Can I get approved for a loan if I am self-employed?

Getting approved for a loan as a self-employed tax payer is a simple matter. Income verification will be the key to your success. Once we review a the documents that verify your income such as your tax returns, bank statements, or canceled checks, you'll find that getting approved is simple, straightforward, and convenient.

Can Stivers Ford of Birmingham help me obtain financing if I recently changed jobs?

Yes. Starting a new job can be an exciting time. Let us help you make this big moment even sweeter by connecting you with the right loan on your next vehicle. Your employment status is just one of the myriad factors that go into the loan approval process, so if you recently upgraded into a better position at a new company you can apply with confidence knowing that our financing team are prepared to secure a great loan at the lowest interest rate possible.

Can Stivers Ford of Birmingham finance my loan if I am a first-time buyer?

Helping guide first-time car buyers through this important — and exciting — event is one of our specialties. Let our trustworthy and friendly team take the lead on this for you and you will soon see why so many first-time buyers in Birmingham lean on us when the time comes to finance an affordable and reliable new or used car with budget-friendly payment.

What if I owe more than my car is worth?

Commonly called under water, or upside down, in an inequity position, or buried, our finance team has seen it before. We leverage many years of professional experience assisting shoppers through this situation. It starts with a fair offer to buy your trade-in.

We can typically roll any inequities into the new loan which means that we pay off the difference and you start a new loan on the new car. This way you can drive home in style in the car or truck that you really want.

Do I have to have a job to get financed at Stivers Ford of Birmingham?

Being employed is one of a host of factors that will go into any car loan approval process. Our team of experts can do what they do best and work hard to secure you the perfect loan for your unique situation, but you're still going to have to pay it back. Banks like to see a steady history of income and you'll need to be clear about your other sources of income and how you intend to pay back the loan without a job.

Can Stivers Ford of Birmingham provide quote on my trade-in's value?

Yes. Securing access to seller-friendly offers on trade-in vehicles in Birmingham starts with calling (205) 941-6070 for a quick chat about your car. For shoppers who prefer to keep things digital, check out our friendly trade appraisal tool to request a quote on your trade-in vehicle and the insight of our expert team of vehicle appraisers.

How does Stivers Ford of Birmingham determine my vehicle's trade-in value?

With the utmost care and consideration. We make it a point to provide the most customer-friendly trade-in experience imaginable. We are happy to make a fair offer on any vehicle you want to trade toward your next car. This commitment to going above and beyond is why local car buyers shop with confidence at Stivers Ford of Birmingham.

Can I sell you my used car even if I don't make a purchase?

Yes. We are always ready and willing to buy your car for a fair amount and our check is good today.

Can I get pre-approved for a loan at Stivers Ford of Birmingham?

Finding out if you qualify for loan is fast and has no impact on your credit score. Use our quick pre-approval tool.

Do I have to get financed for a loan via Stivers Ford of Birmingham?

If you prefer to work with your personal bank on the financing, we are eager to help you pick out the perfect car, truck, or SUV for you. Before you make your final decision, we would suggest that you connect with our financing team to see if we can find a better rate or more favorable terms.

Why should I get financed at Stivers Ford of Birmingham?

The short answer? It's easy, convenient, and it's the best option. We employ a swift process that keeps your interest rate and fees low. We work hard to find the best loan terms and our team makes a point to keep you in the know from start to finish.

How much should my down payment be?

Conventional wisdom suggests that putting down 20 percent of the total cost of the car at signing is a smart idea. However, your unique situation may require something different, and that is always fine by us.

What is gap insurance?

Gap insurance is an form of protection that provides insurance coverage for the remainder of your auto loan should an accident or collision completely total your vehicle. Gap insurance kicks in to safeguard your credit in the event of the total loss of your car and pays off the negative equity in your loan if you owe more than the depreciated value of your vehicle.

Do I really need gap insurance?

Gap insurance is a great asset to have on your side if you:

  • Made a small down payment.
  • Selected a loan term with a 48-month or longer duration.
  • Plan on putting more mileage on your vehicle than the average driver.
  • Value the confidence that comes with complete financial protection.
Do I need a co-signer?

Having a co-signer can make getting approved for a loan easier because of the combined credit score, income, and financial history. To determine if this is the best fit for you, let our team of experts leverage their years of experience to provide a hand as you consider your options.

Do I need an appointment to meet with a financing specialist at Stivers Ford of Birmingham?

Walk-in customers are always welcome, come on in and sit down for a chat regarding your car loan financing options at a time convenient for you. You can also call ahead to schedule an appointment with a friendly team member.

Will I be at the dealership all day signing paperwork to get my loan?

We make the process fast and easy. Our goal is to get you behind the wheel of your dream car as soon as possible. You can count on us to have everything ready when you come in to pick up your new car.

What does "LTV" stand for?

The loan-to-value (LTV) ratio is a tool used by lenders to represent the amount of money owed on your loan relative to the value of your vehicle. For example, if you currently have a loan for $15,000 on a vehicle that is worth $20,000, your LTV is 75%.

If you owe more than your current vehicle is worth, your LTV will need to be addressed. Stivers Ford of Birmingham has decades of experience assisting car shoppers through this exact situation.

What does "PTI" stand for?

The payment-to-income (PTI) ratio is a percentage that describes your car payment in relation to your pre-tax income. As an example, if your monthly car payment is $300 and your gross monthly income is $3,000, then your PTI is 10%. Lenders usually look for a PTI that sits at around 15% when considering how large to make a loan, but this is just one of a host of factors that go into the process of securing the best financing options your unique situation.

What does "DTI" stand for?

The debt-to-income (DTI) ratio represents all of your monthly debt divided by your monthly income. Credit card payments, mortgage payments, and other recurring expenses are factored into this metric, which most lenders suggest keeping at or below 50%.

What does "POI" stand for?

"POI" stands for proof of income and is a metric that helps our associated lenders verify your stated income during the loan application process. Some common examples of proof of income include:

  • Pay stubs
  • Bank statements
  • Last year's federal tax return
  • Form W-2
What does "POR" stand for?

"POR" stands for proof of residency and is a tool that aids our stable of high-quality lenders confirm your residency during the car loan application process. Some common examples of proof of residency include:

  • Vehicle registration or title
  • Voter registration card
  • Utility or telephone bill
  • Selective Service card
  • Checking or savings account statement
What does "APR" stand for?

"APR" stands for the annual percentage rate. Typically referring to the interest rate of your car loan. This yearly interest rate is what you'll pay in addition to the amount you borrow initially, and can be fixed (unchanging for the duration of your loan term) or variable (may change over the life of the loan).

What does "ACV" stand for?

"ACV" stands for the actual cash value. ACV is used to describe the amount of money a car can be expected to sell for through the large auction networks right now. This is the amount that we can expect to recoup should we choose to sell your car at auction.

Can I see the full purchase agreement before I agree to buy?

Yes. Transparency is paramount for our team. If you have any questions regarding specific inclusions within this agreement, the friendly and knowledgeable team member working with you will be happy to review and explain every line.

Can I lease a new Ford at Stivers Ford of Birmingham?

Yes. Leasing a new car at Stivers Ford of Birmingham is all about having your cake and eating it too. We are proud to pair up an impressive selection of head-turning Ford vehicles with a leasing program that makes upgrading your daily commute a breeze. Simply stop by our showroom floor today or shop online and call (205) 941-6070 whenever works best for you. From here, we will get you behind the wheel of the Ford vehicle you've been dreaming about in a flash, all at a low monthly price that fits your budget.

What is a new car lease and how does leasing a vehicle at Stivers Ford of Birmingham work?

A new car lease gives you the opportunity to take to the streets of Birmingham in an alluring and feature-rich new Ford at a cost that is often significantly lower than traditional monthly car payments. As part of this program, you'll enjoy all of the perks that come with owning your favorite Ford for a predetermined term length of time and/or number of miles traveled.

When this term reaches completion, you'll also have the flexibility to purchase this vehicle at a great price if you decide that you want to keep it. Leasing gives you options. The choice is always yours.

What is the difference between leasing and financing?

Financing a car places complete control in your hands for as long as you own your vehicle, while leasing is a temporary ownership arrangement that pre-negotiates the value of your car at the end of the lease. With a lease, you can switch into new cars every couple years and never be surprised by an unexpected dip in value. To determine which option works best for you, connect with us and we will layout the options in plain English which makes your decision easy.

Should I buy or lease a vehicle in Birmingham?

This depends entirely on your unique needs and financial considerations. To help make the big choice between buying or leasing a vehicle easy and fun, here's an overview of the benefits.

You should lease a new Ford if:

  • You love the idea of upgrading into the hottest new Ford every couple years.
  • You only need a car for a short time and would rather not set up longer-term financing.
  • You are seeking a lower out-of-pocket cost at signing.
  • You prefer lower monthly payments.

You should buy a new Ford car if:

  • You love the idea of owning the vehicle you drive.
  • You want the freedom to sell your vehicle whenever you want.
  • You want to keep your insurance costs as low as possible.
  • You know you will put a lot of miles on your car.

Call (205) 941-6070 to tap into the insight of our experts and we'll help you make a smart decision on whether to finance or lease.

How does leasing differ from owning a vehicle?

As far as your day-to-day experience goes, buying a vehicle from us or leasing one of our outstanding Ford offerings is exactly the same. Both options let you drive around in the Ford of your choice, and we'll always be here to provide you with the best service in and around Birmingham when the time comes to bring your vehicle in for routine maintenance.

The only real changes come from a big picture perspective. Financing a new Ford gives you complete ownership of your chosen vehicle, while leasing comes with a fixed term of possession. At the end of this period, you can either upgrade into another new car with the latest tech and creature comforts, or you can purchase your current vehicle at the pre-negotiated buyout price if you're still loving your car.

Does Stivers Ford of Birmingham rent cars?

Yes. We have a wide selection of Ford rental cars and trucks ready and waiting. Call (205) 941-6070 today and we'll reserve the perfect vehicle for your travel needs. Focus on the fun stuff — like planning an adventure or getting the details right for your next big trip.

Why should I rent a car at Stivers Ford of Birmingham?

Because we provide you with outstanding service and an ample selection of Ford rental options, at the lowest rates possible. Our friendly and knowledgeable team of experts and our commitment to flexible scheduling ensures that picking your car up is always convenient.

What do I need to rent a vehicle from Stivers Ford of Birmingham?

Renting a vehicle from Stivers Ford of Birmingham is a breeze. All we need to get this process started are a few things, which include:

  • Valid driver's license
  • Major credit or bank card issued to the prospective renter
  • Valid, unexpired insurance that is transferable to a rental vehicle (proof of insurance required)

Call (205) 941-6070 once you have these items together and we will have you sorted out and scheduled to come in and pick up your rental vehicle right away.

What if I don't have full insurance coverage that transfers to a rental vehicle?

This is a question that pops up quite often, and we want you to know that you always have options. Depending on your unique rental situation, a Collision Damage Waiver (CDW) may be available to supplement full, transferable insurance coverage. To find out if this option is available and to rent one of our outstanding vehicles at an ultra-low price, call (205) 941-6070 and a member of our rental team will help you learn even more about how a CDW can help you secure a great rental vehicle for your trip.

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