Frequently Asked Questions


What should I do if I lose my job and am worried about making my car payment?

Since our beginning, America’s Car-Mart has worked individually with customers to provide transportation solutions during difficult situations. When you purchase a vehicle from Car-Mart you become part of our family. And, we will work with you throughout the duration of your contract. Your dedicated Account Representative or a member of management will help you with any challenges that arise in your life. Call your local Car-Mart immediately to schedule a time to speak with your Account Representative or the General Manager for help with your situation. You may also call Customer C.A.R.E at 866-819-9944 Monday – Saturday from 9 a.m. to 6 p.m. CT. We are here to help you and customer success is our top priority.

Will Car-Mart repossess my vehicle during the COVID-19 outbreak?

At Car-Mart, our mission is about earning your repeat business and keeping you in your vehicle. We understand that this is an unprecedented time in our country right now. We are hyper-focused on clean facilities and the safety of our associates and customers. We are set up to help customers remotely through our website and by phone for those that are unable or uneasy about coming into their local dealership. For us, right now the most important thing is COMMUNICATION. We are deeply committed to taking care of you and keeping every customer in their vehicle. Please reach out to us and allow us to help you during this time.

What can I do if I don’t have much for a down payment because of the COVID-19 situation?

The down payment depends on the vehicle you choose, your credit application information, and 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. Please give us a call or stop by your local Car-Mart. We are ready to work with you.

Is Car-Mart still open during the COVID-19 pandemic?

We are currently open for business as our customers and communities need us now more than ever.  We are regularly checking local, state and national reports on the developing impact of COVID-19 and based on guidance from the Centers for Disease Control (CDC), the World Health Organization and applicable public health agencies, we have developed plans and established a task force that will allow us to respond timely and appropriately. If closures become our only option, we will notify our associates and current customers. You may also call our Customer Care team at 866-819-9944 Monday – Saturday from 8 a.m. to 6 p.m. CST. for the latest updates. Again, we will work with our customers to help them through these challenging times.

How is Car-Mart ensuring its facilities are safe?

We have enhanced our cleaning and sanitization efforts in our stores, corporate office and vehicles. We are frequently disinfecting high-touched surfaces such as door handles, countertops, keypads and restroom surfaces, as well as vehicle door handles and steering wheels. In these efforts, we are advising our Associates to use disposable gloves, disinfectant spray and cleaning solutions.

How can I contact Car-Mart if I cannot go to my dealership in person?

You can call your local dealership directly or our Customer Care line is open Monday – Saturday, 8 a.m. -6 p.m. at 866-819-9944.

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.

You may contact us online using our chat/text feature or Contact Us form and a member of our Customer Care team will reply to you the next business day in the order we received your inquiry.

Can Car-Mart waive my late fees?

Please reach out to your Account Representative and they can review the file and make a determination. We are happy to work with you during this time and we would like to have an honest discussion about the impact this situation is having on your personal situation.

Can Car-Mart waive the $2.20 fee for making one-time payment online or by phone?

This fee is administered by a third-party processing company (Repay), and we cannot waive the fee at this time. You may set up recurring payments free of charge for convenience using your bank account and our Auto Pay feature. Please visit to sign up. You may also use our night drop box at the dealership or visit over 15,000 CheckFreePay locations, including Walmart.

Can Car-Mart waive payments for a few months or reduce my loan?

Payment structures are determined on a case-by-case basis at your local dealership. Please work with your Account Representative to determine a long-term solution. We are here to help our customers and communities.

About Car-Mart

What makes Car-Mart unique?

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. We work with our customers after the sale and are able to help them stay on the road even when financial troubles occur. Customers often tell us they feel like part of a family with Car-Mart.

How long have you been in business?

We opened our first store in Rogers, Arkansas in 1981. Today, we’ve expanded into 12 states with over 150 locations and have helped over half a million customers along the way.

Where is the headquarters for Car-Mart?

Car-Mart headquarters are located in Rogers, Arkansas. We have more than 2,000 associates company-wide who work to serve our customers.

Who founded Car-Mart?

Car-Mart was founded by Bill Fleeman. Mr. Fleeman 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.


How do I obtain used car financing?

We offer customers two, stress-free ways to begin the financing process at Car-Mart:

  1. 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 the 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 Car-Mart.

Do I need to choose a vehicle first, in order to begin the financing approval 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 America’s Car-Mart.


Is my credit score affected by filling out the online credit application?

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.

How long do you keep a credit application on file?

Customer credit applications are good for 30 days.

Do you check credit?

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.

Does buying at Car-Mart improve my credit score?

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.


How much are down payments?

Car-Mart has specialized in affordable down payments since 1981. 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.

What are my payment options?

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

Where can I make my payments?

Choose from one of the following convenient options:

  • In person, at one of our locations (no fee)
  • Automatic Payment (ACH) (no fee)
  • One-time by phone at 1-844-730-3807 ($2.20 third-party processing fee)
  • Online at ($2.20 third-party processing fee)
  • At more than 15,000 CheckFreePay locations including Walmart (fee varies by location)

What if I am late on my payment or can no longer make my payments?

Since 1981, Car-Mart has worked one on one with customers to provide transportation solutions during difficult situations. When you purchase a vehicle from Car-Mart you become part of our family. 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. Customer success is a top priority.

What is needed to make a payment online or over the phone?

  • Full 12-digit account number
  • Primary account holders Date of Birth

Where can I find my account number?

You can find your account number on your America’s Car-Mart Sales Contract. You may also call any local dealership or Car-Mart Customer Care at 866.819.9944.

How do I set up an ACH Recurring Payment Schedule?

  1. When selecting a recurring payment amount you must create a schedule by clicking Create Schedule. Then completing when would you like to pay? A Create Schedule pop-up window allows you to customize a payment schedule according to the recurring option chosen.
  2. Select Click to review schedule to display all payment dates with an interactive calendar. NOTE: Clicking outside of these boxes on the screen will close the pop-ups.
  3. Under When would you like to pay? The newly created schedule will be listed.
  4. Select Bank Account (ACH), then select the ACH Authorization Language and click Continue to proceed to the checkout page.
  5. If paying by ACH, select Bank Account (ACH) under How would you like to pay? Then click Continue.
  6. An ACH checkout form will display showing your account number and zip code pre-populated with information from your account. You will then fill out the rest of the form.
  7. Each payment form will allow you to select save bank account for future use. NOTE: The default is set to off, toggle on to save the information.
  8. If you save your payment for future use, it will be displayed under how would you like to pay? In the prior screen.
  9. Select Pay at the bottom of the screen once complete.
  10. The payment details of the transaction will populate on the next page.
  11. You can send the payment confirmation as an email, text message, and/or both by clicking Send.

How do I change my ACH Schedule?

  1. To make any changes to your ACH Recurring Payment Schedule you will have to delete it and set up a new schedule. First Click on your current Payment Schedule.
  2. On the Scheduled Payments Lookup page go to the left-hand side and click on the down error next to the details button.
  3. Then click Cancel Scheduled Payment. This will cancel your current schedule.

If I pay using my bank account when will my account be debited?

Your bank account will be charged for your payment in the next 1-3 business days.

Is there a Convenience fee if I pay online or over the phone?

Yes, all one-time payments made online or over the phone have a fee of $2.20.

What is the maximum amount I can pay at one time online?

The maximum payment amount per transaction is $2000.


If I have had a repossession in the past, can I still buy a car from Car-Mart?

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.


Can I get approved for used car financing from Car-Mart if I have experienced a bankruptcy?

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.


Do I need insurance to purchase a vehicle at Car-Mart?

Customers must obtain liability or full coverage insurance as required by state law to purchase a vehicle at Car-Mart.

  • 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

Does Car-Mart sell insurance?

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

Sales Tax

Does Car-Mart help with sales tax?

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


What do I need to do to get my tags?

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

Do you offer a vehicle service contract?

Yes, Car-Mart offers an optional Service Contract Plus PackageGet added protection for your purchase with our Silver, Gold or Platinum service contracts covering unexpected major mechanical repairs and receive roadside assistance and oil changes. *Service Contract Plus packages are based on the purchase price of the vehicle and may not be available at all locations. Check with your local Car-Mart dealer for details.

We also offer an optional Accident Protection Plan – 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

What is the process for selling my used vehicle to Car-Mart?

Tell us a little about your used car by filling out the appraisal form or you can call your nearest Car-Mart location. A Car-Mart associate will call you to set up a convenient time to conduct the appraisal. When you are ready, you will bring your vehicle and title to the dealership to conduct the appraisal.

What form of payment do I receive after selling my car?

We will issue a company check on the spot.

Once I have an offer, how long do I have to accept the offer?

You will have seven days to accept our 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?

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

What kinds of used vehicles does Car-Mart buy?

Car-Mart buys all types of makes and models of used cars.

What factors are considered in determining the value of my used vehicle?

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

What should I bring to my appraisal appointment?

Title, keys, registration

Does Car-Mart charge to appraise my used vehicle?

Car-Mart does not charge to appraise your used vehicle.

Do I have to buy a car from Car-Mart to sell my used vehicles to Car-Mart?

You do not have to buy a car from Car-Mart to sell your used car to Car-Mart.


What are your promotions?

Car-Mart offers special promotions from time to time. Promotions may 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.

What if I don't like my purchase? Does Car-Mart offer a return or money back guarantee?

If you’re not satisfied, we’re not satisfied. Car-Mart offers 100% Satisfaction with every purchase. If, within 7 days or less than 500 miles (whichever occurs first), you are unsatisfied with your vehicle for any reason, bring it back it us, and we’ll exchange your vehicle for another one of equal or lesser value. Our goal at Car-Mart is to put you in a vehicle that fits your needs, budget, and ultimate satisfaction – and ‘keep you on the road.’

Do you provide service and support after a sale?

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 Customer C.A.R.E at 866.819.9944 from 9 a.m. – 6 p.m., Monday – Saturday 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

Where do you get your vehicles from?

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

Vehicle Inspection

Does Car-Mart inspect the vehicles before selling them?

Yes, Car-Mart inspects our vehicles before we sell them. 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 Car-Mart dealership.

Vehicle Transfers

If a customer finds a vehicle online at a different location, can it be transferred to the dealer closest to the customer?

Car-Mart does not transfer vehicles between dealerships.

Vehicle Exchange

What vehicles qualify when I go to make an exchange?

You may exchange a vehicle for a like priced vehicle within a full 7 days from the date of the purchase or less than 500 miles whichever occurs first.

Are there any time limit exceptions to the 7-day exchange?

Yes, if the 7th day falls on a day the business is closed then time limit shall be 6pm of the next day the business is open.

How do I verify the mileage when wanting to exchange my vehicle?

You can verify the mileage by looking at your mileage listed on the odometer statement you received from the sale.

What if I want to exchange for another vehicle that is priced higher than the one I originally purchased?

A down payment increase may be required when exchanging for a more expensive vehicle.

How many times can I exchange my vehicle?

7-day exchange can only be used once within a 30-day period.

How do I exchange my vehicle?

Contact your local dealership and they will be happy to help!

Other Miscellaneous Questions

What do I need to do if I don't have a social security number?

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.