America's Car-Mart, Inc. is one of the largest publicly held automotive retailers in the United States, operating an integrated used-car sales and finance business concentrated in small cities across the South-Central United States. The company sells older-model used vehicles, typically five to twelve years old, and provides in-house financing directly to customers with limited financial resources and restricted credit histories who cannot access conventional financing, targeting weekly or bi-weekly payment schedules at fixed annual interest rates. Revenue comes from vehicle sales and financing operations, with the company emphasizing collections management as a core priority while offering contract modifications and various customer services including optional accident protection plans and service contracts.