We keep customers on the road by offering used car financing.

Bad credit or no credit? No problem. We provide financing options regardless of your past credit history (bad credit and/or no credit), a 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.

We make the car-buying and auto financing process easy.

When you need a used vehicle, Car-Mart can help get you back on the road with flexible financing, low down payments and affordable payment options. Car-Mart is a buy here pay here dealership – we’ll sell you a used vehicle and provide the financing. When you buy a used vehicle at Car-Mart, you’ll make your payments at Car-Mart.




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.

Payment options

We also offer payment options that fit your budget and pay schedule. You can decide to make weekly, bi-weekly and monthly payments depending on your situation.

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.

NOTE: Delivery of the title and possession of the vehicle will not be made until the customer has made the agreed amount of payments under the contract. (Lay-a-way not offered in Texas)

Let us show you how quick and easy it is to buy from Car-Mart

  • We will help you find the used vehicle you want.
  • We structure an appropriate payment plan.
  • We won’t push vehicles on you.
  • Overall, we will show you what it will take to purchase from Car-Mart.

Get Pre-Approved for Financing Today!

It’s easy! Our pre-approval app is fast, easy and secure. You’ll be closer to getting in your next used vehicle from Car-Mart in no time.


For more information about auto financing at Car-Mart, check out our FAQ section.

Have more questions? Call (866) 819-9944 or fill out our contact form and someone will be in touch soon.