Auto lender · complaint record
Americas Car-Mart complaints
Filed under Americas Car-Mart, Inc.
Consumers have filed 663 complaints about Americas Car-Mart since 2014, 226 of them in the last 12 months (+18% on the year before). It answered 97.8% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is repossession. It is the 13th most complained-about of 193 auto lenders this year.
Weak response record. How it works
- Complaints on record
- 663
- Last 12 months
- 226
- Answered on time
- 97.8%
- Closed with relief
- 0%
- Last 30 days
- 14
- Rank
- #13 of 193
Since September 2014
+18% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 3, 2026
Most complained-about auto lenders
Americas Car-Mart complaints by month
The busiest month was January 2026 (28 complaints). Complaints in the last 12 months are up 18% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Americas Car-Mart answered last 12 months
- Closed with explanation22499.1%
- In progress20.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time35/4597.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+18% vs last year
What Americas Car-Mart complaints are about
Top Americas Car-Mart problems last 12 months
Inside "Repossession"
- Loan balance remaining after the vehicle is repossessed and sold 37
- Voluntary repossession 23
- Notice to repossess 16
- Deficiency balance after repossession 10
- Lender trying to repossess or disable the vehicle 10
- Damage caused or loss of personal items in vehicle during the actual repossession 9
Where Americas Car-Mart complaints come from
Most complaints: Arkansas (121), Georgia (92), Texas (79), Alabama (63), Oklahoma (50).
Americas Car-Mart compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Byrider FranchisingAuto loans & leases | 55 | 316 | C |
| 2 | Veros CreditAuto loans & leases | 51 | 255 | C |
| 3 | America First Federal Credit UnionAuto loans & leases | 12 | 245 | F |
| 4 | Carvana GroupAuto loans & leases | 56 | 240 | C |
| 5 | Americas Car-MartAuto loans & leases | 43 | 226 | D |
| 6 | LendbuzzAuto loans & leases | 45 | 220 | D |
| 7 | TeslaAuto loans & leases | 9 | 201 | F |
| 8 | Driveway FinanceAuto loans & leases | 54 | 137 | C |
Compare side by side: Americas Car-Mart vs Byrider Franchising · Americas Car-Mart vs Veros Credit · Americas Car-Mart vs America First Federal Credit Union · Americas Car-Mart vs Carvana Group
What people say about Americas Car-Mart
All experiencesNo experiences with Americas Car-Mart yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Americas Car-Mart complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Nov 1, 2026 | Debt relief & credit repair | Confusing or missing disclosures | Explained |
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 29, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 29, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 23, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Oct 22, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 22, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Oct 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 21, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 21, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
Questions about Americas Car-Mart
How many complaints does Americas Car-Mart have?
Americas Car-Mart has 663 complaints on record since September 2014, including 226 in the last 12 months and 14 in the last 30 days. That makes it number 310 of every company by complaints this year.
Does Americas Car-Mart respond to complaints?
Yes. Americas Car-Mart answered 97.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 43/100 (grade D).
What do people complain about most with Americas Car-Mart?
The most common problems are repossession (115), incorrect information on your report (134), took or threatened to take negative or legal action (41).
Is Americas Car-Mart legit?
Americas Car-Mart is a real company with a public complaint record: consumers have complained about it 663 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Americas Car-Mart legit? for the signals, red flags and how to protect yourself.
Are complaints about Americas Car-Mart going up or down?
Up. There were 226 complaints in the last 12 months against 191 in the 12 before (+18%). See every month.
How do I file a complaint against Americas Car-Mart?
Complain to Americas Car-Mart in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Americas Car-Mart complaints come from?
Most come from Arkansas (121), Georgia (92), Texas (79). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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