Car-Mart.com has a search tool that allows users to find dealer locations by choosing from a list of states that have Car-Mart dealerships. Car-Mart has 138 dealers in 10 states as of 2015, including Alabama, Arkansas, Georgia, Indiana and Kentucky. Additional states are Mississippi, Missouri, Oklahoma, Tennessee and Texas.
The company's locations are primarily focused on the South Central United States, with every dealer offering guaranteed approval for purchases under $10,000, with a buy-here-pay-here financing approach. Car-Mart is the largest used car dealer offering that type of financing in the United States. The company provides its own credit facilities with interest rates generally running between 4 percent and 20 percent.