Buying a used car on a budget can feel like a daunting task. At America’s Car-Mart, a major used car retailer and finance company operating in 12 states with over 150 locations, we strive to make car-buying simple and stress-free. We offer flexible financing and a wide range of vehicles to meet every need. Even customers on the tightest budgets can find options that work—because we believe everyone deserves a reliable vehicle.
That’s why we’re offering $399* down during July—to make it easier than ever for hardworking people to get behind the wheel of a quality vehicle without breaking the bank.
Here, Travis Martin, General Manager at Car-Mart of Ardmore, Okla., describes how Car-Mart helps people purchase reliable transportation. He shares what customers can expect from Car-Mart and how we keep them on the road and within budget.
Q. What does Car-Mart’s $399* down payment include, and how does it benefit budget-conscious buyers?
A. “We want to get you behind the wheel for as little as possible, without sacrificing quality. Our customers need dependable transportation to keep up with busy lives, jobs, and families. We start by helping them pre-qualify for financing and then determining which vehicles they qualify for that we have in stock at our store.
Most dealerships require a down payment of more than 15 percent. At Car-Mart, we’re flexible. Our $399* offer opens the door for people who need a break and a good car to get back on track.”
Q. What kind of vehicles can buyers expect to see for $399* down?
A. “You’d be surprised at the variety and the quality. Our vehicles undergo a multi-step inspection process before we purchase them and again before they arrive at the store. We offer additional peace of mind with our optional Service Contract Plus packages that includes up to three years of maintenance coverage. We also back every vehicle with our 100% Satisfaction Guarantee, giving you a full 7 days or less than 500 miles (whichever occurs first) so you are sure it’s the right fit. And for even more confidence, customers can add our optional Accident Protection Plan for extra security if the unexpected happens.”
With a $399* down payment, customers can drive away in sedans, midsize cars, SUVs, and even trucks. Whether you’re looking for a gas-saver or a family hauler, we’ve got options.”
Q. What should budget-conscious buyers consider when choosing a used vehicle at Car-Mart?
A. “It comes down to being honest about what you can afford. Consider your monthly payment, car insurance, and how they align with your household budget. We ask our customers: What can you put down? What’s your max monthly payment you can afford? What’s your sweet spot?
From there, Car-Mart builds a deal around what you can manage, not what we want to sell. Our goal is to exceed our customers’ expectations while keeping everything within their budget.”
Q. What’s the financing process?
A. “It’s quick, straightforward, and transparent. Whether you are online at Car-mart.com or in our dealerships, we can get you pre-qualified with no hit to your credit in minutes.
Then you’ll select a vehicle that works, take it on a test drive and we’ll handle all of the paperwork. You’re in and out faster than most would expect.”
Q. How does financing work at Car-Mart?
A. “We work with our customers and we’re flexible. We have helped hundreds of thousands of customers over the years, and we know each customer has a unique situation. So, we take the time to assess your situation and determine what works best for you. It’s simple, secure and personalized to you.”
Q. What would you say to someone on the fence about purchasing a quality, used vehicle at Car-Mart?
A. “Just come in and take a test drive. There’s no pressure. Sit in the car. Feel it, smell it, see if it’s a good fit. If you’re not ready to buy, that’s okay. But chances are, you’ll be surprised once you see what $399* can get you.”
Schedule a test drive online now!
Q. Why should customers trust Car-Mart when buying a used car?
A. “Our team is here to guide you through every step of the car-buying process. You can go online, call us, or stop by anytime. We offer personalized service, and we stand behind what we sell. We also offer our Pay Your Way program, which provides several convenient payment options, including Auto Pay recurring payments via debit card or bank account, as well as Apple Pay, Google Pay, PayPal, Venmo, and more.
And we have a track record of keeping our customers on the road. We get to know you and take the time to personalize the experience for you. If a hardship comes up along the way, simply communicate with us, and we’ll work with you. That’s what we’re here for and it’s what we are known for.”
Q. What tips do you give customers to help them stay within budget? What common mistakes do budget buyers make?
A. “Buy what you can afford and communicate with us.
The biggest mistake? Letting your wants exceed your needs. Let your budget dictate your choice, and the rest will be much easier. Also, life happens. If you hit a bump in the road—literally or financially—let us know. We want to work with you, it’s what we do. We are very proud of our reputation of offering flexible payment options and doing everything possible to help our customers get back on track and keep them on the road. Peace of mind starts with staying in touch.”
Final Thoughts
“Buying a car on a budget doesn’t mean settling. With Car-Mart’s $399* down program, flexible financing, and a team that’s truly on your side, you’re not just getting a vehicle—you’re gaining a long-term partner. From purchase to payoff (and beyond), we’re with you every step of the way. That’s why so many of our customers come back again and again. We’re here for you—for the road ahead.”
# # #
*Arkansas: On select vehicles priced at $23,999 or less, based on qualified applicant rating with approved credit. At participating locations. See dealer for details. Inventory not guaranteed. Cannot combine with any other offer. Example: $399 down. 182 weekly payments of $7.27 per $1,000 financed at 16.75% APR. Interest rates may vary by state of purchase and applicant rating. Offer expires July 31, 2025.
*All other states: On select vehicles priced at $23,999 or less, based on qualified applicant rating with approved credit. At participating locations. See dealer for details. Inventory not guaranteed. Cannot combine with any other offer. Example: $399 down. 182 weekly payments of $7.44 per $1,000 financed at 18.25% APR. Interest rates may vary by state of purchase and applicant rating. Offer expires July 31, 2025.
Ready to See What $399* Can Get You? 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.
