America's Car-Mart

America's Car-Mart is a publicly held used-car retailer and in-house lender, founded in 1981 and operating more than 90 dealerships across 12 states in the United States. The company employs more than 2,000 associates and is one of the largest publicly held automotive retailers in the integrated auto sales and finance segment. Its core business is the buy-here-pay-here model: selling quality used vehicles at affordable prices and financing them directly, with an emphasis on customers who are credit-challenged - including those with bad credit, no credit, a repossession history or past bankruptcy.

The company's offerings combine vehicle sales with affordable payment terms, low down payments and flexible payment schedules (weekly, biweekly or monthly). It also reports customers' on-time payments to the credit bureaus, a service intended to help buyers build credit over time. Industry verticals span used-car retail, automotive finance, buy-here-pay-here lending and subprime auto lending.

Employment at America's Car-Mart is shaped by a stated set of core values: integrity, respect, compassion and excellence. The company describes helping people as being at the heart of its existence since 1981, with a mission to earn repeat business through quality vehicles, affordable payment terms and service. It characterises itself as "a different kind of dealership", with an emphasis on peace of mind in used-car ownership and on serving hard-working Americans.