Learn more about our commitment to you during the COVID-19 pandemic. My Store Ask us anything COVID-19 What should I do if I lose my job and am worried about making my car payment? Will Car-Mart repossess my vehicle during the COVID-19 outbreak? What can I do if I don’t have much for a down payment because of the COVID-19 situation? Is Car-Mart still open during the COVID-19 pandemic? How is Car-Mart ensuring its facilities are safe? How can I contact Car-Mart if I cannot go to my dealership in person? How can I reach Car-Mart after hours? My work schedule is during the daytime, and Car-Mart’s stores and Customer Service line are closed after 6 p.m. Can Car-Mart waive my late fees? Can Car-Mart waive the $2.20 fee for making one-time payment online or by phone? Can Car-Mart waive payments for a few months or reduce my loan? About Car-Mart What makes Car-Mart unique? How long have you been in business? Where is the headquarters for Car-Mart? Who founded Car-Mart? Financing 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? Credit Is my credit score affected by filling out the online credit application? How long do you keep a credit application on file? Do you check credit? Does buying at Car-Mart improve my credit score? Credit Reporting Who submits my payment report to the credit bureaus each month? Why is my account not being reported to Equifax? Where can I get a copy of my credit report? How long will it take for my on-time Car-Mart payment to show on my credit report? What about my past car payment history? What about all the cars I have paid off? I am a co-buyer on a Car-Mart account, how will this affect me? Do you report just negative information to the credit bureaus? If I sign a mutual contract termination form, how will it affect my credit? My car was parked on lot, but I redeemed it. Why is there a repossession or voluntary surrender showing on my credit? How long will Colonial Auto Finance show on my credit report? Payments How much are down payments? What are my payment options? Where can I make my payments? What if I am late on my payment or can no longer make my payments? What is needed to make a payment online or over the phone? Where can I find my account number? How do I set up an ACH Recurring Payment Schedule? How do I change my ACH Schedule? If I pay using my bank account when will my account be debited? Is there a Convenience fee if I pay online or over the phone? What is the maximum amount I can pay at one time online? Repossessions If I have had a repossession in the past, can I still buy a car from Car-Mart? Bankruptcy Can I get approved for used car financing from Car-Mart if I have experienced a bankruptcy? Insurance Do I need insurance to purchase a vehicle at Car-Mart? Does Car-Mart sell insurance? Sales Tax Does Car-Mart help with sales tax? Tags What do I need to do to get my tags? Warranty/Service Contract Do you offer a vehicle service contract? Sell or Trade-in What is the process for selling my used vehicle to Car-Mart? What form of payment do I receive after selling my car? Once I have an offer, how long do I have to accept the offer? Do I have to sell/trade in my car at the same location that gave me an offer? Do I need an appointment to sell or trade in my used vehicle? What kinds of used vehicles does Car-Mart buy? What factors are considered in determining the value of my used vehicle? What should I bring to my appraisal appointment? Does Car-Mart charge to appraise my used vehicle? Do I have to buy a car from Car-Mart to sell my used vehicles to Car-Mart? Promotions What are your promotions? What if I don't like my purchase? Does Car-Mart offer a return or money back guarantee? Do you provide service and support after a sale? Inventory Vehicles Where do you get your vehicles from? Vehicle Inspection Does Car-Mart inspect the vehicles before selling them? Vehicle Transfers If a customer finds a vehicle online at a different location, can it be transferred to the dealer closest to the customer? Vehicle Exchange What vehicles qualify when I go to make an exchange? Are there any time limit exceptions to the 7-day exchange? How do I verify the mileage when wanting to exchange my vehicle? What if I want to exchange for another vehicle that is priced higher than the one I originally purchased? How many times can I exchange my vehicle? How do I exchange my vehicle? Other Miscellaneous Questions What do I need to do if I don't have a social security number? Still have questions? We’re here to help. Chat with us or call (866) 819-9944. 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