4854 US Highway 67 Farmington, MO 63640

Lifetime Powertrain Warranty

CarSMART offers “Lifetime Powertrain Coverage” on all of its Certified Pre-Owned Vehicles at No Cost To You!!!

At CarSMART we whole-heartedly believe that you should be able to Browse and Buy a Pre-Owned vehicle with Complete Confidence.

This great coverage gives you peace-of-mind for as long as you own your vehicle. No Limit on time, No limit on miles. You'll never have to worry about major engine, transmission or drivetrain repairs again with this exclusive coverage offered to you by CarSMART. This Powertrain Protection covers all internally lubricated parts no matter how long you keep the car! 

What Vehicles Qualify for Lifetime Powertrain?

Our Certified Pre-Owned vehicles must pass a 100+ point inspection, be 10 years or newer with less than 100,000 miles(At point of sale), and have a clean title. We do our homework to make sure the car is as "like new" as possible. Once that inspection is passed, we can apply the Lifetime Powertrain coverage to the vehicle. 

What's Covered Under this Program?

ENGINE: Gas/Diesel -All internally lubricated parts within the engine plus the cylinder head(s), engine block, engine mounts, flex plate, flywheel and ring gear, harmonic balancer, intake and exhaust manifolds. The oil pan and valve covers are only covered if damaged by an internally lubricated part. 

TURBO/SUPERCHARGER: Allinternallylubricatedparts. Housing is only covered if damaged by an internally lubricated part.

AUTOMATIC TRANSMISSION: All internally lubricated parts, torque converter, transmission mounts, vacuum modulator, all gears, governor, oil pumps, clutch plates, shafts, internal valves, rings, servo units, :friction and steel drums, bearings and bushings, bands. Transmission case is covered if damage is due to the failure of an internally lubricated part.

MANUAL TRANSMISSION: All internally lubricated parts, all gears, all bearings, main drive gear, internal shifting components, synchronizing drum, shafts and spacers, main shaft, bushings. Transmission case is covered if damage is due to the failure of an internally lubricated part.

DRlVE AXLE ASSEMBLY (Front & Rear): All internally lubricated parts within the drive axle assembly. The drive axle housing is only covered if damaged by an internally lubricated part.

TRANSFER UNIT: All internally lubricated parts within the transfer case. Transfer case is only covered if damaged by an internally lubricated part.

What is the Deductible if I Need to Make a Claim?

The Deductible on the coverage is $100 per claim. 100% of parts and labor is covered after the $100 deductible is met. 

Buying a vehicle with damaged credit???

Are you LOOKING for an easy car buying experience?

For some people, car shopping can be overwhelming. You have to go to this site to find savings and incentives, then that site for buying and leasing guides, and even another site for a payment calculator. 

At CarSmart, we have everything you need to find that perfect used car in one place.

Need detailed side-by-side comparisons of car features and specs? Detailed expert and user reviews of the latest makes and models? Informed buying and leasing guides? Connections to thousands of used cars? We've got it all. And after you find your perfect car, we can help you lock in competitive financing and get exclusive extras. So no matter what you’re looking for, we can provide you with a simple, easy and efficient car shopping experience.

CarSmart— It’s Not Rocket Science ??


• Why shop around? Our Market-Based Pricing means you get the absolute BEST PRICE right up front - on every car, every day.
• No haggling required. You don't need to waste your time and energy on back and forth negotiations to get our Best Price. You've got it!
• We're proud to offer you impressive and highly competitive pricing that provides you with unparalleled value. That's the CarSmart Way!
• You can relax knowing you’re in the driver’s seat of your experience, while we simply guide you to your ideal destination; as well as your total satisfaction.
• We don’t sell; we consult. Our team will work to identify your specific needs and wants, and then present the optimal solutions for you to choose your best option.
• You’ll never feel pressured to buy, ever. Our team is rewarded based on your level of satisfaction, not on how much money you spend.
• You know what your vehicle is worth, and so do we. No lowballs here, just honest, realistic value for your current vehicle.
• Our Interactive Appraisal Process gives you the absolute most for your trade without the hassle or haggle.
• Guess what? We’ll pay you top dollar for your car, even if you’re not buying one of ours!
• We have the vehicles you want IN STOCK and priced to maximize your money. Get your ideal car at the best value.
• Choose from an expansive array of high-quality Used and Certified Pre-Owned models.
• If we don’t have your perfect vehicle in stock when you want it, we’ll find it for you right away, at no cost or obligation to you.
• With Market-Based Pricing, we put our very best foot forward for you every day. After all, you deserve respect, honesty, and transparency.
• For better or worse, you are NOT your credit score. Our Finance Department will work to find the very best options for your individual needs and budget.
• Each of our comprehensive financial services is aimed at providing you the highest value both up front, and throughout your payment period.
CarSmart Certified Pre-Owned: Get the NEWEST pre-owned vehicle POSSIBLE!
• How about a complimentary NATIONWIDE LIFETIME POWERTRAIN WARRANTY? Yep, that’s right. No gimmicks, just the best possible protection for you and your investment.
• We don’t believe in AS IS – Get a 3-month/3,000-mile Powertrain Warranty on every pre-owned vehicle REGARDLESS of the year or miles!
We are so sure you will LOVE your new car from CarSmart, that we fully stand behind any vehicle that we sell. If you’re not completely satisfied with your purchase, we will provide you with the proper remedy until you are completely satisfied. That means you can purchase your vehicle with confidence.
That’s the CarSmart “Red Carpet Guarantee!!!”

How To Buy a Car with Bad Credit

You're in a tough spot, and it seems like there's a whole army of dishonest "Bad Credit, No Credit, No Problem" dealers and lenders out there just waiting to take advantage of you. But here's the good news: People with bad credit can find cars and financing if they're willing to do some homework and shop around a bit. Here's how consumers with credit problems can still get a decent deal on a new set of wheels.

Consumers who think they have bad credit should start their car-shopping efforts by getting copies of their credit reports at least a month before even stepping into a dealer's showroom. After all, knowing what's in these reports — and making sure all information is correct — can help you keep dishonest car dealers or loan brokers from putting you into worse loans than you deserve. If you've ever had a credit card, car loan, student loan, mortgage or other debt, chances are credit bureaus Equifax, Experian and TransUnion each have their own credit report on you. But under federal law, they must each give you a free copy of their reports once per year. To get your free copies, go to the industry's official AnnualCreditReport.com Web site. (Beware of imitators with similar URLs.) Carefully check all three bureaus' reports for errors or negative information that's more than 7 years old. If you find any problems, AnnualCreditReport.com has online tools to help you correct them.

Once you've corrected all errors, you should buy a copy of your "FICO" credit score (named for the credit-software firm originally called Fair, Isaac & Co.). FICO scores normally come with your credit report, but federal law doesn't require credit bureaus to give you them for free. However, you can buy a copy of your score for around $20 from Equifax.com or MyFico.com. (Both also sell packages that include a free FICO score plus some credit-monitoring services that you might or might not want.) FICO scores run from 300 to 850, and people with high scores pay much lower interest rates than those with low ones.

Don't Deal with "Bad-Credit Specialists"

Once you've checked out your credit situation, deal with mainstream auto dealers and lenders. Good dealers will usually put customers with bad credit into high-interest loans, but some bad-credit specialists will stick you into deals that are virtually designed to fail. Miss one or two payments on such a loan, and a bad dealer will be looking to repossess the car. That's because "repos" often involve big fees that serve as a major source of income for dishonest dealers. Another thing to watch out for: Some dealerships will imply that you need to buy extended warranties, clear coating, or other expensive (and often unnecessary) add-ons if you want financing. You don't.

Explore Nonprofit Lenders

As an alternative, look for a nonprofit lender that offers personal loans. Capital Good Fund, for instance, offers car loans from $8,000 to $20,000 for residents of Florida, Rhode Island, and Massachusetts only for the purchase or refinance of a new or used car; while they finance vehicles sold through most dealers, they encourage borrowers to shop around and choose a dealer with high levels of customer satisfaction. In addition, they offer loans up to $2,000 for a variety of purposes, including the purchase or repair of a vehicle or paying off high-interest debt, to residents of Florida, Rhode Island, and Delaware. They are an example of a United States Treasury certified Community Development Financial Institution, or CDFI. Look up the nearest CDFI in your area to see if they can help you.

Rebuild Your Credit Score First

Perhaps the best way to buy a car with bad credit is to simply put off doing so until your credit improves. After all, most car shoppers can boost their credit scores to "prime" levels in 12 to 24 months through on-time payments of all bills—especially any existing automobile loans. If you can't wait that long, consider purchasing an inexpensive car for now. You should also finance it with a 2- or 3-year car loan instead of a longer-term one if you can afford the higher monthly payments. You can find plenty of Cheap Cars and Cheap Trucks in CarGurus' listings. Make on-time payments on the car and your other living expenses for a year or two, and your credit score should recover, letting you buy a better vehicle or refinance into a lower-interest loan. "You really should look at bad credit as a temporary problem," says Steve Bucci, credit-and-debt columnist for Bankrate.com and the former president of Consumer Credit Counseling Service of Southern New England. "Bad credit doesn't have to stay bad forever."

Should you purchase an extended warranty

Question #1: How long do you plan on keeping the car?

The length of your car’s manufacturers warranty varies, but most new vehicles offer at least a three-year/36,000-mile bumper-to-bumper warranty.

If you plan on keeping the car for three years or less, then paying for an extended warranty probably doesn’t make much sense.

But according to a 2016 analysis from IHS Markit, the average car buyer holds on to their vehicle for six and a half years. If you’re likely to drive a car long after the manufacturer’s warranty ends, an extended warranty may be worth considering.

Question #2: What type of car are you buying?

In 2013, Consumer Reports surveyed more than 12,000 subscribers who purchased an extended warranty. 

They found the people most satisfied with their purchase were owners of car brands whose reliability consistently rank as average or below average, including BMW, Chrysler, Dodge and Mercedes-Benz.

If you’re in the market for a Honda, Subaru, Toyota, or another brand that earn consistently high marks for reliability, you may be better off skipping the extended warranty and covering repairs yourself.

Question #3: What is covered?

Before you buy an extended warranty, Alex Lauderdale, Transportation Analyst at EducatedDriver.org, says it’s important to note that your warranty may not cover all repairs. “Policies differ wildly, and it’s important to read the fine print carefully,” he says. “Most companies will provide an exclusion list, letting you know exactly what repairs are not covered.”

Most extended warranties don’t cover regular maintenance or “wear and tear.” Some warranties cover parts but not labor. Others have high deductibles, which can seriously diminish the value of your coverage.

In the Consumer Reports survey mentioned previously, among respondents who used their extended warranty, the median savings for repairs covered by extended warranties was just $837, while the average cost for coverage was $1,214, resulting in a net loss of $377. So even if you use the coverage, the savings may not come close to covering the cost.

Question #4: Who backs the warranty?

An extended warranty may be backed by the manufacturer, the dealer, or an independent company, so find out who will perform or pay for repairs. Lauderdale says warranties from the manufacturer may be a bit more expensive than those from a third party, but they may provide better coverage. “They usually cover a very wide range of repairs and allow you to go to any authorized dealership to handle repairs,” Lauderdale says.

Also, know what happens if the company backing the warranty goes out of business. An administrator may handle a service contract sold by the dealership. If the administrator goes out of business, is the dealer is still responsible for performing repairs? If the dealership goes out of business, will the manufacturer honor the service contract?

Question #5: Will you use it?

It may seem inconceivable that someone would pay for an extended warranty and then neglect to use it, but that’s exactly what a majority of buyers do. In the Consumer Reports survey, 55 percent of car buyers who purchased an extended warranty didn’t use it.

Some buyers find that using the extended warranty simply isn’t worth the hassle. Depending on the terms of your contract, you may have to schedule repairs with the original dealer or with an authorized repair center in the region. If you buy your car from a dealership in another town, the car breaks down on a road trip, or you move after you buy the car, bringing the car back for covered repairs may be inconvenient.

Question #6: How will you pay for it?

The cost of the service contract is typically based on the car’s make, model, coverage and length. Costs can range from one to several thousand dollars. Consumer Reports found that among people who purchased an extended warranty, 86 percent bought theirs at the time they bought the car. It’s easy to roll the cost of a service contract into your car loan, but that convenience could cost you.

When the cost of the extended warranty is added to your financing, you’ll pay interest on the extended warranty for the life of your loan. Financing a $1,200 warranty over five years at an interest rate of 4.21 percent will cost you an additional $132.82. That may not seem like much when you’re financing thousands of dollars for a new car, but it’s another factor to consider when you’re deciding whether an extended warranty is worth the cost.

Question #7: Is the price negotiable?

After haggling over the cost of your new car, negotiating the cost of a service contract may be the last thing on your mind. But don’t be afraid to ask for a better deal.

Few people realize that the cost of an extended warranty is negotiable, but according to Consumer Reports, those who do haggle save about $325 on average.

The bottom line

Despite the cautions and statistics, some car buyers just like the peace of mind an extended warranty brings. Before you buy, make sure you read the fine print so you know what’s covered, what isn’t, and what hoops you’ll need to jump through to get your repairs covered.

And finally, know yourself. If you’re not likely to follow the terms of the agreement, you may be better off setting up a savings account designated for car repairs. If you face major repairs, you’ll have the money available. If your car is reliable, you can always use the money for a down payment on the next one.

CarSmart, 4854 US Highway 67, Farmington, MO 63640 573-747-4888