Learn more about our commitment to you during the COVID-19 pandemic. My Store We keep customers on the road by offering used car financing If you have bad credit or no credit, America’s Car-Mart is here to help. We provide financing options regardless of your past credit history (bad credit and/or no credit), previous repossession, or bankruptcy. We’ll sit and talk with you to understand your current financial situation, budget, and long-term goals. Then we’ll determine a down payment and payment plan that’s affordable and works for you. Our goal is to help you be successful. We make buying a used car and auto financing easy When you need a used vehicle, Car-Mart can help get you back on the road with low down payments and affordable payment options. Car-Mart is an integrated auto and sales finance company also known as a ‘buy here pay here’ dealership – we’ll sell you a used vehicle and provide the financing in house. Low Down Payments We offer low down payments so you can quickly get into a vehicle. The down payment depends on the vehicle you choose, trade-in value, your credit application, as well as any promotion we may have going on during the month. Payment Options We can create payments that fit your budget and payment schedule. You can decide to make weekly, bi-weekly, and monthly payments depending on your situation. We also offer several convenient ways to make your payments. Lay-A-Way Plan Plus, some of our locations offer a lay-a-way plan that allows payments up to six weeks to pay on your down payment. If you have qualified to purchase a vehicle, but you’re short on your down payment, our lay-a-way program can help. Get Pre-Approved for Financing Today! It’s easy! Our pre-approval app is fast, easy and secure. You’ll be closer to getting in your next used vehicle from Car-Mart in no time. GET APPROVED Let us show you how quick and easy it is to buy from Car-Mart We help you find a used vehicle to fit your budget. We structure an appropriate payment plan. We won’t push vehicles on you. We will show you what it takes to finance at Car-Mart. We work hard to keep you on the road after the sale. Have more questions? How do I obtain used car financing? How are financing decisions made? Do I need to choose a vehicle first, in order to begin the financing approval process? What should I bring with me when I come in for financing? Still have questions? We’re here to help. Chat with us or call (866) 819-9944. Shop & Finance Find a Car Find a Location Sell or Trade Get Approved Make a Payment Dare to Compare Products & Services Peace of Mind 100% Satisfaction Service Contract Plus Accident Protection Plan Pay Your Way Hand-Selected Vehicles Financing Options Flexible Trade-In Sell-A-Friend Company About Us Blog Keeping You on the Road File Accident Claim Careers Community Investors Support Contact Us FAQ Connect 1 (866) 819-9944 Subscribe © 2021 America’s Car-Mart, Inc. All Rights Reserved. Terms & Conditions | Privacy Policy