Frequently Asked Questions

About Car-Mart

Car-Mart specializes in helping customers to finance dependable used vehicles with affordable payment terms, whether you have good credit, no credit, or challenged credit. Customers often tell us they feel like part of a family with Car-Mart. We work with our customers after the sale and are able to help them stay on the road even when financial troubles occur.

We opened our first store in Rogers, Arkansas in 1981. Today, we’ve expanded into 11 states with over 140 locations and have helped over half a million customers along the way.

Our headquarters are located in Bentonville, Arkansas. We have more than 1,800 associates company wide who work to serve our customers.


We offer customers two, stress-free financing options:

  1. Come in and fill out a credit application at your local Car-Mart dealership; or for convenience
  2. Go to and fill out the simple and secure online form in as little as five minutes. After your application is submitted, a Car-Mart associate will call you to schedule an appointment to come in and test drive your vehicle.

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 Car-Mart.

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.

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.


No. Your credit score will not be affected. Determining your pre-qualification terms will only generate a soft inquiry. Once a vehicle is selected and your official application is submitted, a hard credit inquiry may be made to TransUnion credit bureau that may affect your credit score.

Customer credit applications are good for 30 days.

Previous credit is reviewed to better understand your unique situation, but a traditional credit score is not used to determine financing. We understand you may not have a credit history or may have experienced credit challenges in the past. Our associates will work with you to understand your current financial situation and then develop a plan to fit your unique needs.

We report customer accounts to TransUnion and Experian Credit bureaus each month. As you make payments on time, it will have a positive impact on your credit score.


Car-Mart has specialized in affordable down payments for over 37 years. The down payment depends on the vehicle you choose, your credit application, as well as any promotion we may have going on during the month. Most of our dealerships also offer a lay-a-way plan that allows you to pay out your down payment.  Check with your local Car-Mart manager for details.

In addition to low down payments, we also offer flexible financing with weekly, bi-weekly and monthly payment options that match your pay schedule.

Choose from one of the following convenient options:

When you purchase a vehicle from Car-Mart you will have a dedicated Account Representative that will help you with any difficulties that arise. Stop by or call your local Car-Mart immediately to set up an appointment to see your Account Representative or the General Manager for help with your situation.


We do finance customers who have had previous repossessions. We know that each customers situation is unique to them and your local Car-Mart manager will talk with you about the circumstances that led to the vehicle going back. Car-Mart will work with you to get you financed so you can begin to improve your credit.


Yes, and we can help. We know some people have experienced hardships in their lives, which makes it challenging to obtain financing. Just because you have experienced a bankruptcy in the past doesn’t mean you’re without financing options. We’ll sit down with you to understand your unique situation and determine what options may be available for you.

We will need to know the type of bankruptcy, the status (active, dismissed or discharged), the date filed and the reason for the filing. However, we do not finance those who are experiencing an active bankruptcy. Once the bankruptcy is dismissed or discharged, we will review your financial situation. Our overall goal is to get you in a vehicle and back on the road.

Bottom line, we believe that every person deserves to get into a vehicle they need and can afford, no matter their financial situation.


Customers must obtain liability or full coverage insurance as required by state law.

  • Full coverage insurance is required for vehicle sales in Texas
  • Full coverage insurance is required on all vehicle sales above $10,000
  • Please check all state requirements before purchasing

Car-Mart does not provide or sell insurance for a vehicle.

Sales Tax

This varies from state to state. The manager at your local Car-Mart will be able to answer this question.


Car-Mart will provide all the necessary paper work needed to get your used vehicle tagged and registered in a timely manner.

Warranty/Service Contract

Yes, we offer an optional Buyer Protection Plan (BPP) – This covers a variety of mechanical components on the vehicle for 12 months or 12,000 miles, whichever occurs first. *9 months or 9,000 miles in Georgia. A list of covered parts is located on the Car-Mart service contract agreement. Repairs must be authorized by Car-Mart in advance prior to having a repair made.

We also offer an optional Payment Protection Plan (PPP) – This is a Debt Cancellation Agreement that pays off the remaining debt on your vehicle in case of theft or accident that results in a total loss of the vehicle. *Not available in Indiana.

Sell or Trade-in provides an easy, pre-approval form or you can call your nearest dealership. A Car-Mart associate will call you to set up a convenient time to conduct the appraisal. When you are ready, you will need to bring your vehicle and title to the dealership to conduct the appraisal.

We will issue you a company check on the spot or at your local bank.

Yes. A Car-Mart associate will set up a convenient time to conduct your used vehicle appraisal.

A Car-Mart associate will evaluate the condition of the used vehicle and mileage

Absolutely not. You’ll even get free coffee and popcorn.


Car-Mart offers special promotions from time to time. Promotions can always be found on, our social media channels such as Facebook and by speaking to your local dealership. Please reach out to your local dealership for additional information on specific promotions. You may go to to find the contact information for the dealership nearest you.

We offer a 3 Day, 100% Satisfaction Program where if you are unsatisfied for any reason at all, we will put you in another vehicle of equal or lesser value.

Yes. Your local Car-Mart will be available from 9 a.m. – 6 p.m., Monday – Saturday to answer your questions. You may also call our customer service number at 866.819.9944 from 8 a.m. – 5 p.m., Monday – Friday to speak with a representative, or go to and fill out our contact form. Of course, we always love it when our customers drop by in person to see us.

Inventory Vehicles

Car-Mart obtains our vehicles from trade-ins, purchases from individuals, wholesale dealers, new car dealer trade-ins, and occasionally vehicle auctions.

Vehicle Inspection

Yes, our inspections are a two-step process. The initial inspection is made before the purchase by our experienced purchasing agents. Our purchasing agents look at tens of thousands of vehicles each month to find the best quality vehicles for our customers. The final inspection is made after the purchase by the management team at each dealership.

Other Miscellaneous Questions

If no Social Security Number is available, we accept an Individual Taxpayer Identification Number also known as “ITIN”. We also accept a valid passport or other foreign government photo ID.

Didn’t find what you were looking for? Our customer service team is standing by to answer your questions at 1-866-819-9944 from 8 a.m. to 4:45 p.m., Monday – Friday or send us a question using our contact form on our website.