Editor’s Note: This blog was initially published in April 2024 and was updated in August 2025 with new information and links to additional helpful articles.
In This Article, You Will Discover:
- Getting pre-qualified will NOT impact your credit score.
- When you pre-qualify online, you’ll know you’re pre-qualified BEFORE you get to the dealership.
- Getting pre-qualified is an easy process, and can be done anytime, anywhere.
- Car-Mart welcomes co-buyers.
If you’re in the market for a used car and have bad credit, don’t let financing worries hold you back. Pre-qualify for used car financing at America’s Car-Mart and take the first step towards driving the car of your dreams.
Our financing pre-qualification application is available online at Car-Mart.com/apply. You can get pre-qualified with no hit to your credit, saving you time at the dealership! Think of it as the express lane for used car financing. Read on to learn how pre-qualification at Car-Mart offers several benefits for credit-challenged consumers seeking to purchase a used car.
Get pre-qualified to make an informed decision
When you pre-qualify at Car-Mart.com, you’ll receive a text message. You can then schedule a test drive at the dealership with confidence. You’ll know what to expect before you visit, enabling you to make an informed decision and save time.
Says customer Jennifer Y.:
“I was pre-qualified after completing the application online, and I have an appointment on Saturday. … I appreciate the help and attentiveness I received. Thank you…”
[Note that your pre-qualification amount is based on the information you submit in your application].
Get pre-qualified with no credit hit
That’s right, there’s no hit to your credit when you pre-qualify for a vehicle at Car-Mart. This means that checking how much you qualify for will NOT impact your credit score.
Says customer Melissa F.:
“After going through a devastating credit problem…, I was terrified I wouldn’t be able to get a vehicle. … My fears were eased when I received the call that I was pre-qualified. … Thank you for making this experience much less scary than I imagined it to be.”
Get pre-qualified within minutes
The process is fast and easy. When you hit the submit button, you’ll immediately receive a text message and/or a telephone call letting you know we reviewed your application and asking you to set up an appointment at your local dealership.
If we are able to connect with you on the phone, we will guide you through the car-buying process and provide you with all the necessary information on what to bring to the dealership. Our goal is to ensure you are fully prepared with everything you need when you arrive at the dealership.
Says customer Jennifer P.:
“2nd car from here, excellent service, quick, easy process.”
Get pre-qualified with a co-buyer
If you plan to have a co-buyer, that person will receive an email inviting them to complete an application (as a co-applicant). Once the co-buyer submits their application, it will be processed.
Says customer Victor Y.:
“Co-buying for a friend, all went well. Applied for another vehicle and was approved! Good people and services.”
If you cannot complete the pre-qualification online, our Car-Mart associates are happy to help you at the dealership.
Get pre-qualified for a quality, used vehicle at America’s Car-Mart. Anytime, anywhere – at your convenience. Our stress-free financing process is fast, easy, and secure—and with no credit hit.
Check out our other helpful blogs:
- How to Buy a Used Car on a Budget
- Four Easy Steps to Car Buying and Financing at America’s Car-Mart
- How to finance a car at Car-Mart when you have bad credit
Get Pre-Qualified Now with No Credit Hit
Stop by Car-Mart today. Test drives are free, and so is peace of mind. Get pre-qualified in minutes with no hit to your credit.
*Pre-qualification uses a soft credit inquiry only. Formal loan applications require a hard credit inquiry that may affect your credit score. Pre-qualification does not guarantee loan approval or specific terms.
Get Started to Pre-Qualify
Make Sure You Have This Information for the App:
- Name, contact information
- Date of birth and social security number
- Residence information
- Anticipated down payment
- Housing type and monthly payment
- Monthly income, as well as start date
- Kind of vehicle you’re looking to purchase (optional)
