Where to send your America's Car Mart payment

America's Car Mart accepts payments through three main channels: online through your customer account, by phone with a representative, or by mail to their payment processing center. The online portal is the fastest route — you can log in, see your balance and due date, and submit a payment in minutes. Phone payments take about 10 minutes and let you speak to someone if you have questions about your account.

Mailing a check or money order is the slowest option and typically takes 7 to 10 business days to post to your account, so use this method only if you cannot access online or phone payment. America's Car Mart does not accept in-person payments at dealership locations, so you cannot walk in with cash or a check.

Key Takeaways

  • Online payment through your customer account is the fastest method and shows your balance and due date when ready.
  • Phone payments are available by calling the customer service number on your loan documents or billing statement.
  • Mailed payments take 7 to 10 business days to process, so send them well before your due date to avoid late fees.
  • America's Car Mart does not accept payments at dealership locations or through third-party payment apps.
  • Late payments trigger fees and can affect your credit report, so set up automatic payments if you struggle to remember due dates.

Logging in to your online account

To pay online, go to americascarmart.com and look for the "Pay My Bill" or "Customer Login" link, usually at the top of the page. Enter the username and password you created when you first financed your vehicle. If you do not remember your login information, use the "Forgot Password" option to reset it — America's Car Mart will send a reset link to the email address on file.

Once you are logged in, your dashboard shows your current balance, minimum payment due, and the date the payment is due. You can choose to pay the minimum, the full balance, or any amount in between. The system accepts payments from a checking account, savings account, or debit card. Payments made before 5 p.m. Eastern Time on a business day typically post the same day.

Making a payment by phone

Call the customer service number printed on your billing statement or loan documents. A representative will ask for your account number or the phone number associated with your loan, then verify your identity by asking for the last four digits of your Social Security number or your date of birth. This process takes about two minutes.

Once verified, tell the representative you want to make a payment. They will confirm your current balance and due date, then ask how much you want to pay and which account to draw the payment from. You can pay from a checking account or debit card over the phone. The representative will give you a confirmation number — write it down. Payments made by phone are usually processed within one business day.

Mailing a payment

If you prefer to mail a payment, write a check or money order for the amount due and include a payment stub from your most recent billing statement. The stub has your account number printed on it, which helps the payment processor route your money correctly. Do not send cash through the mail.

Mail your payment to the address listed on your billing statement — this is typically a lockbox address, not the dealership location. Include your account number on the check itself if there is no payment stub. Mail payments take 7 to 10 business days to clear, so send your payment at least two weeks before your due date if you are close to falling behind. Late payments incur fees and are reported to credit bureaus.

Setting up automatic payments

America's Car Mart allows you to set up automatic payments through your online account. Log in, navigate to the "Automatic Payments" or "Recurring Payments" section, and choose the amount and frequency — most customers set payments to occur on the same day each month. You can select a checking account or debit card as the funding source.

Automatic payments remove the risk of forgetting a due date and triggering a late fee. You can change or cancel automatic payments anytime through your account, though you should do this at least a few days before the scheduled payment date. If a payment fails because of insufficient funds or an expired card, America's Car Mart will attempt to reprocess it, but you may be charged a failed payment fee.

What happens if you miss a payment

A payment is considered late if it arrives after the due date shown on your billing statement. America's Car Mart typically charges a late fee — the amount varies by state and loan agreement, so check your contract or call customer service to confirm the exact fee. Late fees are added to your balance and must be paid along with your regular payment.

Payments that are 30 or more days late are reported to credit bureaus and appear on your credit report as a late payment. This can lower your credit score and make it harder to borrow money in the future. If you fall more than 60 days behind, America's Car Mart may begin collection efforts or repossession proceedings. If you know you will miss a payment, contact customer service when ready — some lenders offer hardship programs or payment deferrals, though these are not may provide.

Payment timing and your due date

Your payment due date is set when you sign your loan agreement and typically falls on the same day each month. Your billing statement, which arrives by mail or email, shows the exact due date and the minimum payment required. If your due date falls on a weekend or holiday, the payment is due the next business day.

Online and phone payments made before 5 p.m. Eastern Time on a business day post the same day. Mailed payments take 7 to 10 business days, so the postmark date matters — a check postmarked on the due date but arriving 10 days later is still considered late. If you are unsure whether your payment will arrive on time, use online or phone payment instead.

Frequently Asked Questions

Can I pay America's Car Mart at a dealership location?

No. America's Car Mart does not accept payments at dealership locations. You must pay online, by phone, or by mail. Payments made online or by phone are processed much faster than mailed payments.

What if my payment fails because my card was declined?

America's Car Mart will attempt to reprocess the payment, but you may be charged a failed payment fee. Update your payment method in your online account or call customer service to provide a new card or bank account number. Contact them right away to avoid late fees.

Can I pay extra toward my principal to pay off the loan faster?

Yes. You can pay more than the minimum due each month, and the extra amount goes toward reducing your principal balance. This shortens the loan term and reduces the total interest you pay. There are no prepayment penalties with America's Car Mart loans.

How do I know if my payment was received?

Log into your online account and check your payment history — it shows all payments received and their posting dates. If you paid by phone, the representative gave you a confirmation number. If you mailed a check, wait 10 business days, then log in to confirm the payment posted.

What if I need to change my payment due date?

Contact America's Car Mart customer service to request a due date change. Some lenders allow you to move your due date to align with your payday, though this typically requires a one-time fee. Call the number on your billing statement to ask about options.