About Us

A Different Kind of Dealership

We pride ourselves on being a different kind of dealership. We’ll help you quickly get into a dependable, used vehicle and on your way. We’re a great option for those who may not qualify for traditional used car financing because of bad credit, no credit, repossession or past bankruptcy.


We understand that you deserve the best deal, and that’s why we offer lower interest rates and shorter terms than others in our industry.* We provide low down payments and flexible payment plans depending on your budget. We report customers’ on-time payments to the credit bureaus – all these things add up to offering you peace of mind and a customer experience you won’t find at other dealerships.


* Source: Q3 2020 Experian State of Automotive Finance Market Deep Subprime (FICO Score 500 or less) Industry Average.

Our History

Bill Fleeman, Car-Mart’s founder, recognized the need to help credit-challenged customers get into affordable, quality, used vehicles. He bought a few cars and opened the first Car-Mart in 1981 in Rogers, Arkansas. When the cars sold quickly, Bill knew he was on to something.


As the business grew and Bill opened more Car-Mart dealerships, he wanted customers to know they could get a good value for their money at Car-Mart.


Today – with more than 2,000 associates and over 150 dealerships in 12 states – the company’s founding ideal has not wavered – to deliver an experience that provides customers with quality, used vehicles that meet their needs and budgets. We’re committed to making sure you leave with the quality, used vehicle you need and want from Car-Mart.

Buy Here Pay Here

America’s Car-Mart, Inc. is an ‘Integrated Auto Sales and Finance’ company also known as a ‘Buy Here Pay Here’ company. This means you can purchase, finance, and make payments directly to us – with no need for separate approvals. We sell quality, used vehicles, provide the financing and service the loan all right here at America’s Car-Mart. At Car-Mart, our associates deliver a customer experience centered around you – the customer and we will work with you one-on-one. Our purpose is to keep you on the road! We understand that buying a used vehicle is stressful and one of the biggest financial commitments someone might make during a lifetime. We are committed to helping you throughout the life of your financing term. Once you buy a vehicle from Car-Mart, you’re part of our family and we will go above and beyond to ensure you are successful.

Our People

We care deeply about our family of associates. When associates join our Car-Mart family, we’re committed to their professional and personal growth and development. We offer diverse training programs focusing on specific roles within the company. We believe in giving our dedicated and hard-working associates opportunities to succeed so they can have a successful career at Car-Mart.

Our Communities

We also believe in giving back to our local communities where we work. We’re always looking for ways to serve and make a positive impact in our local communities. Through our associates’ volunteer spirit, we want to do our part in making the communities where we work and live better places.

Our Mission

We strive to earn the repeat business of our customers by providing quality vehicles, affordable payment terms and excellent service.

Our Vision

To be America’s best auto sales and finance company in the eyes of our associates and customers while improving the communities we serve.

Our Values