If you have bad credit or no credit, you’re likely not alone – and it doesn’t mean you have to be stuck forever without a car. At America’s Car-Mart, we work with people from all walks of life and various credit profiles to help them obtain financing approval to purchase a quality used vehicle and get back on the road. We specialize in second chances and are proud to help people move forward – one vehicle at a time.
So, if you’re ready for a fresh start, we’ve got six simple steps to help you. From purchase to payoff, we’ll be with you every step of the way.
Let’s get started:
Start with America’s Car-Mart
Getting approved begins with selecting the right used car dealership, one that truly understands your situation. For more than 44 years, we’ve specialized in helping customers with bad credit, no credit, or even past repossessions. As a buy-here, pay-here dealership that has served more than 1 million customers, we’ll do everything we can to get you into a quality vehicle with affordable financing options. Our focus isn’t just on selling cars, it’s on helping our customers succeed. Because we believe reliable transportation shouldn’t be out of reach.
Success story:
“Great place. Everywhere else denied us …they worked with us and got us into a car.”…Christian, America’s Car-Mart of Broken Arrow, Okla.
Know Where You Stand (but Don’t Panic)
Before applying, get a clear understanding of your credit situation. You don’t need perfect credit to be approved at America’s Car-Mart. We work with customers across all credit levels. Understanding your financial situation enables our team to find the best vehicle and financing options tailored to your specific needs.
Story from the road:
“…I have bad credit and honestly did not have a lot to put down, and they always had and have options for me…I’ve never been turned down or away, and they genuinely will try to work with you, and the cars are great…” … Nicole H., America’s Car-Mart of Taylor, Texas
Get Pre-Qualified Online (with No Credit Hit)
Pre-qualifying at Car-Mart.com is quick, easy, and doesn’t impact your credit. Just visit car-mart.com, fill out an application with your information, and you’ll receive a prompt decision – often via text message. You can then schedule a test drive or visit your local dealership with confidence, knowing your financing options in advance. This saves you time at the dealership and helps you make a more informed decision.
Customer spotlight:
“Great people! Perfect place for somebody who needs a second chance to still get a vehicle and get back on the road. Fast application and approval, and out the door in your new ride.” … Whitney O., America’s Car-Mart of Troy, Ala.
Gather Your Income & Identification Documents
Approval begins with the proper paperwork. Bring proof of income, residency, and a valid ID – this demonstrates you’re financially stable and prepared for a loan, even if your credit history is shaky.
Here’s what to bring: a valid driver’s license and social security card, passport or other government photo ID; six references; proof of income such as your two most recent pay stubs or bank statements; proof of residence such as a current utility bill or copy of your lease; vehicle title if you are trading a vehicle.
Be Honest and Upfront About Your Situation
You don’t need to hide past credit challenges – we’ve seen it all. Being honest with your Car-Mart associate helps us better understand your situation and find solutions that work for you. We’re not here to judge – we’re here to help.
Real customer story:
“With someone who had a recent repossession and minor credit, they were more than understanding!! From beginning to end, I felt confident and assured that this car dealership was the one. The manager, Mr. Eddie, treated me with the most professionalism I’ve ever seen out of a buy here pay here lot. Their care packages [optional service contract], I highly advise, btw. Wonderful, updated cars, too.” … Andre S., America’s Car-Mart of Paducah, Ky.
Choose a Vehicle That Matches Your Budget
Approval is more likely when you select a vehicle and payment plan that match your current income and expenses. Our team will help you find options that make sense—without pushing you beyond your budget.
Success story:
“After applying and being denied multiple times, Car-Mart saved the day. Not only did they get me in a vehicle within my budget, but they were also friendly, kind, and quick. They were patient and waited through the process of getting insurance, ensuring I left with a vehicle. I fully recommend them to anyone and everyone who needs a vehicle.” … Ashley E., America’s Car-Mart of Farmington, Mo.
At America’s Car-Mart, Second Chances Drive Everything We Do
If you’ve faced financial setbacks, you’re not alone – and you’re not out of options. We’re proud to help customers with credit challenges get approved and get back on the road.
Ready to take the next step?
Visit your local America’s Car-Mart today or schedule a test drive online. Your second chance starts here. Get pre-qualified WITH NO CREDIT HIT*!
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Check out these helpful blogs:
- Four Easy Steps to Car Buying and Financing at America’s Car-Mart
- Budgeting for Your Car – What is the Total Cost of Vehicle Ownership
- How to Get Pre-Qualified for Financing at America’s Car-Mart
- How to Buy a Used Car on a Budget
- Credit Basics – 4 Tips for Improving Your Credit Score
- How to Finance a Car at America’s Car-Mart when You Have Bad Credit
*Get pre-qualified, which is a soft credit inquiry only, with no impact to your credit score. A hard credit inquiry that may affect your credit score will be required for the purchase of a vehicle. Pre-qualification does not guarantee loan approval or specific terms.
