Financing Options

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 sales and finance company also known as a ‘buy here pay here’ dealership – we’ll sell you a used vehicle and provide the financing in house.

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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.

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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.

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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.*

*Lay-A-Way is not available in Texas.

Get Pre-Qualified for Financing Today!

Our pre-qualifying app is fast and secure, and there is no impact to your credit. You’ll be closer to getting your next used vehicle from Car-Mart in no time.

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?

We offer customers two, stress-free financing options:

  1. Go to and fill out the simple and secure online form in as little as five minutes. After your application is submitted, you will receive a text with your pre-qualification. A Car-Mart associate will call you to schedule an appointment to come in and test drive your vehicle.
  2. Stop in and fill out a credit application at your local Car-Mart dealership.

How are financing decisions made?

Our associates will work closely with you to understand your current financial situation and budget. Four key areas for consideration are:

  • Vehicle selection
  • Application information
  • Down payment/trade in value
  • Credit history (good, none, or challenged)

Customer satisfaction is our number one goal! Let us show you how easy it is to buy from America’s Car-Mart.

Do I need to choose a vehicle first, in order to begin the financing pre-qualifying process?

No. If you are unsure and have not decided on a vehicle, a Car-Mart associate will work with you to help determine which vehicle will work best for your budget.

What should I bring with me when I come in for financing?

We know your time is valuable. It is recommended you bring the following items:

  • Valid Driver’s License
  • Proof of income such as a recent paystub, benefit letter, etc.
  • Proof of residence such as a current utility bill, copy of lease, etc.
  • Proof of identity such as a Social Security Card, Passport or Government ID
  • Vehicle title, if you are trading in a vehicle

Customer satisfaction is our number one goal! Let us show you how easy it is to buy from Car-Mart.

Still have questions? We’re here to help. Chat with us or call (866) 819-9944.