#1 Previous credit is reviewed to better understand your unique situation, but a traditional credit score is not used to determine financing. We understand you may not have a credit history or may have experienced credit challenges in the past. Our associates will work with you to understand your current financial situation and then develop a plan to fit your unique needs. #2 The down payment depends on the vehicle you choose, your credit application, as well as any promotion we may have going on during the month. Most of our dealerships also offer a lay-a-way plan that allows you to pay out your down payment. Check with your local Car-Mart manager for details. #3. Come in and let's talk or go online and start the approval process here https://web.car-mart.com/apply. Once submitted an associate will contact you to set an appointment to come in.
Your credit don't have to be the best. But it can't be the worst either. Down payments depend on the vehicle you select. Sometimes from $199 or less down. To up to whatever you want to put down. Within a reasonable number though. As for a job or income you have to have income of at least $1,200 alone or more with combined incomes. I think if you have a job you have to have been working for 3 months or more.
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