America's Car-Mart, Inc. engages in the sale of older model used vehicles and the provision of financing for its customers in the United States. The company is headquartered in Rogers, Arkansas and currently employs 2,280 full-time employees. The firm's operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (Car-Mart of Arkansas), and Colonial Auto Finance, Inc., an Arkansas corporation (Colonial). The firm primarily sells older model used vehicles and provides financing for substantially all of its customers. The Company’s dealerships operate on a decentralized basis. The company operates approximately 154 dealerships in 12 states, located primarily in small cities throughout the South-Central United States. The company is an option for those who may not qualify for traditional used car financing because of bad credit, no credit, repossession or past bankruptcy. Its products include peace of mind, service contract plus, pay your way, financing options, flexible trade-in, hand selected vehicles and sell-a-friend.