<!-- Generated by iC(tm) - CompSci Interactive Converter - http://www.compsciresources.com -->
<!-- Created: Wed Sep 03 18:00:57 UTC 2014 -->
<xs:schema xmlns:crmt="http://www.car-mart.com/20140731" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" targetNamespace="http://www.car-mart.com/20140731" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:us-types="http://fasb.org/us-types/2014-01-31" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" elementFormDefault="qualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="crmt-20140731_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="crmt-20140731_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="crmt-20140731_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="crmt-20140731_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>
      <link:roleType roleURI="http://www.car-mart.com/role/ConsolidatedBalanceSheet" id="crmt_r_ConsolidatedBalanceSheet">
        <link:definition>001 - Statement - Condensed Consolidated Balance Sheets (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ConsolidatedBalanceSheet_Parentheticals" id="crmt_r_ConsolidatedBalanceSheet_Parentheticals">
        <link:definition>002 - Statement - Condensed Consolidated Balance Sheets (Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ConsolidatedIncomeStatement" id="crmt_r_ConsolidatedIncomeStatement">
        <link:definition>003 - Statement - Condensed Consolidated Statements of Operations (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ConsolidatedCashFlow" id="crmt_r_ConsolidatedCashFlow">
        <link:definition>004 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteAOrganizationandBusiness" id="crmt_r_NoteAOrganizationandBusiness">
        <link:definition>005 - Disclosure - Note A - Organization and Business</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteBSummaryofSignificantAccountingPolicies" id="crmt_r_NoteBSummaryofSignificantAccountingPolicies">
        <link:definition>006 - Disclosure - Note B - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteCFinanceReceivables" id="crmt_r_NoteCFinanceReceivables">
        <link:definition>007 - Disclosure - Note C - Finance Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteDPropertyandEquipment" id="crmt_r_NoteDPropertyandEquipment">
        <link:definition>008 - Disclosure - Note D - Property and Equipment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteEAccruedLiabilities" id="crmt_r_NoteEAccruedLiabilities">
        <link:definition>009 - Disclosure - Note E - Accrued Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteFDebtFacilities" id="crmt_r_NoteFDebtFacilities">
        <link:definition>010 - Disclosure - Note F - Debt Facilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteGFairValueMeasurements" id="crmt_r_NoteGFairValueMeasurements">
        <link:definition>011 - Disclosure - Note G - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteHWeightedAverageSharesOutstanding" id="crmt_r_NoteHWeightedAverageSharesOutstanding">
        <link:definition>012 - Disclosure - Note H - Weighted Average Shares Outstanding</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteIStockBasedCompensation" id="crmt_r_NoteIStockBasedCompensation">
        <link:definition>013 - Disclosure - Note I - Stock Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteJCommitmentsandContingencies" id="crmt_r_NoteJCommitmentsandContingencies">
        <link:definition>014 - Disclosure - Note J - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteKSupplementalCashFlowInformation" id="crmt_r_NoteKSupplementalCashFlowInformation">
        <link:definition>015 - Disclosure - Note K - Supplemental Cash Flow Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/AccountingPoliciesByPolicy" id="crmt_r_AccountingPoliciesByPolicy">
        <link:definition>016 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteBSummaryofSignificantAccountingPoliciesTables" id="crmt_r_NoteBSummaryofSignificantAccountingPoliciesTables">
        <link:definition>017 - Disclosure - Note B - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteCFinanceReceivablesTables" id="crmt_r_NoteCFinanceReceivablesTables">
        <link:definition>018 - Disclosure - Note C - Finance Receivables (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteDPropertyandEquipmentTables" id="crmt_r_NoteDPropertyandEquipmentTables">
        <link:definition>019 - Disclosure - Note D - Property and Equipment (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteEAccruedLiabilitiesTables" id="crmt_r_NoteEAccruedLiabilitiesTables">
        <link:definition>020 - Disclosure - Note E - Accrued Liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteFDebtFacilitiesTables" id="crmt_r_NoteFDebtFacilitiesTables">
        <link:definition>021 - Disclosure - Note F - Debt Facilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteGFairValueMeasurementsTables" id="crmt_r_NoteGFairValueMeasurementsTables">
        <link:definition>022 - Disclosure - Note G - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteHWeightedAverageSharesOutstandingTables" id="crmt_r_NoteHWeightedAverageSharesOutstandingTables">
        <link:definition>023 - Disclosure - Note H - Weighted Average Shares Outstanding (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteIStockBasedCompensationTables" id="crmt_r_NoteIStockBasedCompensationTables">
        <link:definition>024 - Disclosure - Note I - Stock Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteKSupplementalCashFlowInformationTables" id="crmt_r_NoteKSupplementalCashFlowInformationTables">
        <link:definition>025 - Disclosure - Note K - Supplemental Cash Flow Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteAOrganizationandBusinessDetails" id="crmt_r_NoteAOrganizationandBusinessDetails">
        <link:definition>026 - Disclosure - Note A - Organization and Business (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteBSummaryofSignificantAccountingPoliciesDetails" id="crmt_r_NoteBSummaryofSignificantAccountingPoliciesDetails">
        <link:definition>027 - Disclosure - Note B - Summary of Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/SalesTable" id="crmt_r_SalesTable">
        <link:definition>028 - Disclosure - Note B - Summary of Significant Accounting Policies (Details) - Sales</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteCFinanceReceivablesDetails" id="crmt_r_NoteCFinanceReceivablesDetails">
        <link:definition>029 - Disclosure - Note C - Finance Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ComponentsofFinanceReceivablesTable" id="crmt_r_ComponentsofFinanceReceivablesTable">
        <link:definition>030 - Disclosure - Note C - Finance Receivables (Details) - Components of Finance Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ChangesinFinanceReceivablesTable" id="crmt_r_ChangesinFinanceReceivablesTable">
        <link:definition>031 - Disclosure - Note C - Finance Receivables (Details) - Changes in Finance Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/ChangesintheFinanceReceivablesAllowanceforCreditLossesTable" id="crmt_r_ChangesintheFinanceReceivablesAllowanceforCreditLossesTable">
        <link:definition>032 - Disclosure - Note C - Finance Receivables (Details) - Changes in the Finance Receivables Allowance for Credit Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/CreditQualityInformationforFinanceReceivablesTable" id="crmt_r_CreditQualityInformationforFinanceReceivablesTable">
        <link:definition>033 - Disclosure - Note C - Finance Receivables (Details) - Credit Quality Information for Finance Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/FinancingReceivablesAnalysisTable" id="crmt_r_FinancingReceivablesAnalysisTable">
        <link:definition>034 - Disclosure - Note C - Finance Receivables (Details) - Financing Receivables Analysis</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
<!-- [WMV4][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt8UCLPdYZl35nXbOCDIyGTqI9KBJ5T54BPO22gjaVP9eDzFqwlsmrRTI3NIrXJqtJBdoB/Z4pwKMACw3CpmERg+AjI/CLtqi1kxDmj9lT8eaRQOYCTTv5MyVM0Uc84GbqwYg1c+tZEXOOE2DuBRaY6wJ80gLgN/ua3HnOM7sH8wm3qcnKre+aUav7HFj6hqb/JsKWXc4Ju73g==] CSR-->
      <link:roleType roleURI="http://www.car-mart.com/role/AverageFinancingReceivableContractTermsTable" id="crmt_r_AverageFinancingReceivableContractTermsTable">
        <link:definition>035 - Disclosure - Note C - Finance Receivables (Details) - Average Financing Receivable Contract Terms</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/PropertyandEquipmentUnderReviewTable" id="crmt_r_PropertyandEquipmentUnderReviewTable">
        <link:definition>036 - Disclosure - Note D - Property and Equipment (Details) - Property and Equipment (Under Review)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/AccruedLiabilitiesTable" id="crmt_r_AccruedLiabilitiesTable">
        <link:definition>037 - Disclosure - Note E - Accrued Liabilities (Details) - Accrued Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteFDebtFacilitiesDetails" id="crmt_r_NoteFDebtFacilitiesDetails">
        <link:definition>038 - Disclosure - Note F - Debt Facilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/RevolvingCreditFacilitiesTable" id="crmt_r_RevolvingCreditFacilitiesTable">
        <link:definition>039 - Disclosure - Note F - Debt Facilities (Details) - Revolving Credit Facilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteGFairValueMeasurementsDetails" id="crmt_r_NoteGFairValueMeasurementsDetails">
        <link:definition>040 - Disclosure - Note G - Fair Value Measurements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/FairValueofFinancialInstrumentsTable" id="crmt_r_FairValueofFinancialInstrumentsTable">
        <link:definition>041 - Disclosure - Note G - Fair Value Measurements (Details) - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/WeightedAverageSharesofCommonStockOutstandingTable" id="crmt_r_WeightedAverageSharesofCommonStockOutstandingTable">
        <link:definition>042 - Disclosure - Note H - Weighted Average Shares Outstanding (Details) - Weighted Average Shares of Common Stock Outstanding</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteIStockBasedCompensationDetails" id="crmt_r_NoteIStockBasedCompensationDetails">
        <link:definition>043 - Disclosure - Note I - Stock Based Compensation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/StockOptionPlanComparisonTable" id="crmt_r_StockOptionPlanComparisonTable">
        <link:definition>044 - Disclosure - Note I - Stock Based Compensation (Details) - Stock Option Plan Comparison</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/OptionsValuationAssumptionsTable" id="crmt_r_OptionsValuationAssumptionsTable">
        <link:definition>045 - Disclosure - Note I - Stock Based Compensation (Details) - Options Valuation Assumptions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/OptionsExercisedTable" id="crmt_r_OptionsExercisedTable">
        <link:definition>046 - Disclosure - Note I - Stock Based Compensation (Details) - Options Exercised</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/NoteJCommitmentsandContingenciesDetails" id="crmt_r_NoteJCommitmentsandContingenciesDetails">
        <link:definition>047 - Disclosure - Note J - Commitments and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/SupplementalCashFlowDisclosuresTable" id="crmt_r_SupplementalCashFlowDisclosuresTable">
        <link:definition>048 - Disclosure - Note K - Supplemental Cash Flow Information (Details) - Supplemental Cash Flow Disclosures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.car-mart.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000 - Disclosure - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-types/2014-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2014/elts/us-types-2014-01-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:element name="SalesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_SalesAbstract"/>
  <xs:element name="ComponentsOfFinanceReceivablesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ComponentsOfFinanceReceivablesAbstract"/>
  <xs:element name="ChangesInFinanceReceivablesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ChangesInFinanceReceivablesAbstract"/>
  <xs:element name="ChangesInTheFinanceReceivablesAllowanceForCreditLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ChangesInTheFinanceReceivablesAllowanceForCreditLossesAbstract"/>
  <xs:element name="CreditQualityInformationForFinanceReceivablesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CreditQualityInformationForFinanceReceivablesAbstract"/>
  <xs:element name="FinancingReceivablesAnalysisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivablesAnalysisAbstract"/>
  <xs:element name="AverageFinancingReceivableContractTermsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AverageFinancingReceivableContractTermsAbstract"/>
  <xs:element name="PropertyAndEquipmentUnderReviewAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_PropertyAndEquipmentUnderReviewAbstract"/>
  <xs:element name="AccruedLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AccruedLiabilitiesAbstract"/>
  <xs:element name="RevolvingCreditFacilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_RevolvingCreditFacilitiesAbstract"/>
  <xs:element name="FairValueOfFinancialInstrumentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FairValueOfFinancialInstrumentsAbstract"/>
  <xs:element name="WeightedAverageSharesOutstandingTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_WeightedAverageSharesOutstandingTextBlockAbstract"/>
  <xs:element name="WeightedAverageSharesOfCommonStockOutstandingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_WeightedAverageSharesOfCommonStockOutstandingAbstract"/>
  <xs:element name="StockOptionPlanComparisonAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_StockOptionPlanComparisonAbstract"/>
  <xs:element name="OptionsValuationAssumptionsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_OptionsValuationAssumptionsAbstract"/>
  <xs:element name="OptionsExercisedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_OptionsExercisedAbstract"/>
  <xs:element name="SupplementalCashFlowDisclosuresAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_SupplementalCashFlowDisclosuresAbstract"/>
  <xs:element name="LiabilitiesMezzanineEquityAndEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LiabilitiesMezzanineEquityAndEquityAbstract"/>
  <xs:element name="MezzanineEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_MezzanineEquityAbstract"/>
  <xs:element name="AdjustmentsToReconcileNetIncomeToNetCashProvidedByOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AdjustmentsToReconcileNetIncomeToNetCashProvidedByOperatingActivitiesAbstract"/>
  <xs:element name="PaymentProtectionPlanLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_PaymentProtectionPlanLosses"/>
  <xs:element name="ChangeInOperatingAssetsAndLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ChangeInOperatingAssetsAndLiabilitiesAbstract"/>
  <xs:element name="OriginationsOfFinancingReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_OriginationsOfFinancingReceivables"/>
  <xs:element name="InvestingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_InvestingActivitiesAbstract"/>
  <xs:element name="FinancingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingActivitiesAbstract"/>
  <xs:element name="WeightedAverageSharesOutstandingTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_WeightedAverageSharesOutstandingTextBlock"/>
  <xs:element name="RangeDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_RangeDomain"/>
  <xs:element name="AccountingPoliciesbyPolicyPoliciesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_AccountingPoliciesbyPolicyPoliciesTable"/>
  <xs:element name="AccountingPoliciesbyPolicyPoliciesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AccountingPoliciesbyPolicyPoliciesLineItems"/>
  <xs:element name="LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock"/>
  <xs:element name="CashOverdraftPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CashOverdraftPolicyTextBlock"/>
  <xs:element name="DeferredSalesTaxPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_DeferredSalesTaxPolicyTextBlock"/>
  <xs:element name="TreasuryStockPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_TreasuryStockPolicyTextBlock"/>
  <xs:element name="ChangeInFinanceReceivablesNetTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ChangeInFinanceReceivablesNetTableTextBlock"/>
  <xs:element name="FinancingReceivableContractTermsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableContractTermsTableTextBlock"/>
  <xs:element name="StockOptionPlanComparisonTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_StockOptionPlanComparisonTableTextBlock"/>
  <xs:element name="FinanceReceivablePrincipalBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivablePrincipalBalance"/>
  <xs:element name="FinanceReceivableOriginations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivableOriginations"/>
  <xs:element name="FinanceReceivableCollections" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivableCollections"/>
  <xs:element name="LossesOnClaimsForPaymentProtectionPlan" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_LossesOnClaimsForPaymentProtectionPlan"/>
  <xs:element name="InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossesWriteOffsNetOfRecoveries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableAllowanceForCreditLossesWriteOffsNetOfRecoveries"/>
  <xs:element name="FinancingReceivableCurrentPercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableCurrentPercentOfPortfolio"/>
  <xs:element name="FinancingReceivableRecordedInvestment3To29DaysPastDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue"/>
  <xs:element name="FinancingReceivable3To29DaysPastDuePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio"/>
  <xs:element name="FinancingReceivableRecordedInvestment30To60DaysPastDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue"/>
  <xs:element name="FinancingReceivable30To60DaysPastDuePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio"/>
  <xs:element name="FinancingReceivableRecordedInvestment61To90DaysPastDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue"/>
  <xs:element name="FinancingReceivable61To90DaysPastDuePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio"/>
  <xs:element name="FinancingReceivableRecordedInvestmenGreaterThan90DaysPastDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableRecordedInvestmenGreaterThan90DaysPastDue"/>
  <xs:element name="FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio"/>
  <xs:element name="FinancingReceivablePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivablePercentOfPortfolio"/>
  <xs:element name="PrincipalCollectedAsAPercentOfAverageFinancingReceivables" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables"/>
  <xs:element name="AverageDownpaymentPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AverageDownpaymentPercentage"/>
  <xs:element name="AverageOriginatingContractTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AverageOriginatingContractTerm"/>
  <xs:element name="PortfolioWeightedAverageContractTermIncludingModifications" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_PortfolioWeightedAverageContractTermIncludingModifications"/>
  <xs:element name="AntidilutiveSecuritiesNotIncludedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AntidilutiveSecuritiesNotIncludedAbstract"/>
  <xs:element name="NoteIStockBasedCompensationDetailsStockOptionPlanComparisonTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteIStockBasedCompensationDetailsStockOptionPlanComparisonTable"/>
  <xs:element name="NoteIStockBasedCompensationDetailsStockOptionPlanComparisonLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteIStockBasedCompensationDetailsStockOptionPlanComparisonLineItems"/>
  <xs:element name="MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant"/>
  <xs:element name="SupplementalDisclosuresAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_SupplementalDisclosuresAbstract"/>
  <xs:element name="NonCashTransactionsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NonCashTransactionsAbstract"/>
  <xs:element name="NumberOfOperatingSubsidiaries" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NumberOfOperatingSubsidiaries"/>
  <xs:element name="NoteBSummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteBSummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="NoteBSummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteBSummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases"/>
  <xs:element name="LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases"/>
  <xs:element name="LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome"/>
  <xs:element name="LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable"/>
  <xs:element name="FinancingReceivableInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableInterestRate"/>
  <xs:element name="InterestEarnedOnFinancingReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_InterestEarnedOnFinancingReceivables"/>
  <xs:element name="FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage"/>
  <xs:element name="FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio"/>
  <xs:element name="FinancingReceivableAverageDaysPastDueAtChargeOff" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff"/>
  <xs:element name="AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod"/>
  <xs:element name="PercentageOfReceivableChargeOffs" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_PercentageOfReceivableChargeOffs"/>
  <xs:element name="AverageAgeOfAccountAtChargeOffDate" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_AverageAgeOfAccountAtChargeOffDate"/>
  <xs:element name="AccountsReceivableAllowanceForCreditLossesPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_AccountsReceivableAllowanceForCreditLossesPercentage"/>
  <xs:element name="NoteCFinanceReceivablesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteCFinanceReceivablesDetailsTable"/>
  <xs:element name="NoteCFinanceReceivablesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteCFinanceReceivablesDetailsLineItems"/>
  <xs:element name="FinancingReceivablePaymentPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinancingReceivablePaymentPeriod"/>
  <xs:element name="InstallmentSaleContractsWeightedAverageInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_InstallmentSaleContractsWeightedAverageInterestRate"/>
  <xs:element name="FinanceReceivablesNumberOfLoanClasses" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivablesNumberOfLoanClasses"/>
  <xs:element name="FinanceReceivablesNumberOfRiskPools" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FinanceReceivablesNumberOfRiskPools"/>
  <xs:element name="NetChargeOffsAsPercentageOfAverageFinancingReceivables" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NetChargeOffsAsPercentageOfAverageFinancingReceivables"/>
  <xs:element name="CollectionsAsPercentageOfAverageFinancingReceivables" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CollectionsAsPercentageOfAverageFinancingReceivables"/>
  <xs:element name="DelinqueciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="crmt_DelinqueciesGreaterThan30DaysAsPercentageOfAverageFinancingReceivables"/>
  <xs:element name="NoteFDebtFacilitiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteFDebtFacilitiesDetailsTable"/>
  <xs:element name="NoteFDebtFacilitiesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteFDebtFacilitiesDetailsLineItems"/>
  <xs:element name="ContractTermOfContractsIncludedByCreditFacilitiesAmendment" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment"/>
  <xs:element name="LineOfCreditFacilityAdditionalBorrowingCapacity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity"/>
  <xs:element name="LineOfCreditFacilityDecreaseInPricingTiersPercent" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent"/>
  <xs:element name="MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment"/>
  <xs:element name="NoteGFairValueMeasurementsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteGFairValueMeasurementsDetailsTable"/>
  <xs:element name="NoteGFairValueMeasurementsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteGFairValueMeasurementsDetailsLineItems"/>
  <xs:element name="NoteIStockBasedCompensationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="crmt_NoteIStockBasedCompensationDetailsTable"/>
  <xs:element name="NoteIStockBasedCompensationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NoteIStockBasedCompensationDetailsLineItems"/>
  <xs:element name="NumberOfStockOptionPlans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NumberOfStockOptionPlans"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue"/>
  <xs:element name="ColonialMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ColonialMember"/>
  <xs:element name="CreditFacilitiesAmendmentNumber1Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CreditFacilitiesAmendmentNumber1Member"/>
  <xs:element name="CreditFacilitiesAmendmentNumber2Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CreditFacilitiesAmendmentNumber2Member"/>
  <xs:element name="CreditFacilitiesAmendmentNumber3Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CreditFacilitiesAmendmentNumber3Member"/>
  <xs:element name="CreditFacilitiesAmendmentNumber4Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_CreditFacilitiesAmendmentNumber4Member"/>
  <xs:element name="FurnitureFixturesAndEquipmentMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_FurnitureFixturesAndEquipmentMember"/>
  <xs:element name="NineteenNinetySevenPlanMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_NineteenNinetySevenPlanMember"/>
  <xs:element name="OriginalAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_OriginalAmountMember"/>
  <xs:element name="PaymentProtectionPlanMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_PaymentProtectionPlanMember"/>
  <xs:element name="PaymentProtectionPlanRevenueMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_PaymentProtectionPlanRevenueMember"/>
  <xs:element name="RevisedAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_RevisedAmountMember"/>
  <xs:element name="SalesUsedAutosMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_SalesUsedAutosMember"/>
  <xs:element name="ServiceContractMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ServiceContractMember"/>
  <xs:element name="ServiceContractSalesMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_ServiceContractSalesMember"/>
  <xs:element name="StockIncentivePlanMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_StockIncentivePlanMember"/>
  <xs:element name="TwoThousandSevenPlanMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_TwoThousandSevenPlanMember"/>
  <xs:element name="WholesalesThirdPartyMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_WholesalesThirdPartyMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="crmt_DocumentAndEntityInformationAbstract"/>
</xs:schema>
