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  <xs:element id="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" abstract="false" name="FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" abstract="false" name="FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" abstract="false" name="AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_FinancingReceivableWeightedAverageTotalContractTerm" abstract="false" name="FinancingReceivableWeightedAverageTotalContractTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_FinancingReceivableRemainingContractTerm" abstract="false" name="FinancingReceivableRemainingContractTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_FinancingReceivablesAllowanceForCreditLossesAndOtherLosses" abstract="false" name="FinancingReceivablesAllowanceForCreditLossesAndOtherLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinanceReceivablePrincipalBalance" abstract="false" name="FinanceReceivablePrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinanceReceivablesAllowancePercentOfPrincipleBalance" abstract="false" name="FinanceReceivablesAllowancePercentOfPrincipleBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_ImpairmentLongLivedAssetHeldForUseStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="ImpairmentLongLivedAssetHeldForUseStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_ContractWithCustomerRevenueRecognitionTerm" abstract="false" name="ContractWithCustomerRevenueRecognitionTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_ContractWithCustomerRevenueRevenueRecognitionMiles" abstract="false" name="ContractWithCustomerRevenueRevenueRecognitionMiles" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="crmt_RevenueFromContractWithCustomerStandardTerm" abstract="false" name="RevenueFromContractWithCustomerStandardTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" abstract="false" name="FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_DefinedContributionPlanEmployerContributionAmount" abstract="false" name="DefinedContributionPlanEmployerContributionAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_CommonStockDiscountOnSharesPercentage" abstract="false" name="CommonStockDiscountOnSharesPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_TreasuryStockSharesToEstablishReserveAccountToSecureServiceContracts" abstract="false" name="TreasuryStockSharesToEstablishReserveAccountToSecureServiceContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="crmt_TreasuryStockSharesToEstablishReserveAccountToMeetRegulatoryRequirementsForInsuranceCompany" abstract="false" name="TreasuryStockSharesToEstablishReserveAccountToMeetRegulatoryRequirementsForInsuranceCompany" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="crmt_CollectionsOnAutoFinanceReceivablesMember" abstract="true" name="CollectionsOnAutoFinanceReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_DepositInReserveAccountsMember" abstract="true" name="DepositInReserveAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_CashForLettersOfCreditMember" abstract="true" name="CashForLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_SalesUsedAutosMember" abstract="true" name="SalesUsedAutosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_WholesalesThirdPartyMember" abstract="true" name="WholesalesThirdPartyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_ServiceContractSalesMember" abstract="true" name="ServiceContractSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_PaymentProtectionPlanRevenueMember" abstract="true" name="PaymentProtectionPlanRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_FurnitureFixturesAndEquipmentMember" abstract="true" name="FurnitureFixturesAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NotesPayableMember" abstract="true" name="NotesPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_FinancingReceivablePaymentPeriod" abstract="false" name="FinancingReceivablePaymentPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_FinanceReceivablesNumberOfLoanClasses" abstract="false" name="FinanceReceivablesNumberOfLoanClasses" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="crmt_FinanceReceivableNumberOfLoanPools" abstract="false" name="FinanceReceivableNumberOfLoanPools" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="crmt_AmountCollectedPerActiveCustomerPercentageChange" abstract="false" name="AmountCollectedPerActiveCustomerPercentageChange" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_CollectionsAsPercentageOfAverageFinancingReceivables" abstract="false" name="CollectionsAsPercentageOfAverageFinancingReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInAverageSellingPrice" abstract="false" name="IncreaseDecreaseInAverageSellingPrice" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancingReceivableWriteOffFollowingModificationAmount" abstract="false" name="FinancingReceivableWriteOffFollowingModificationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancingReceivableInsuranceReceivablesForAPPClaims" abstract="false" name="FinancingReceivableInsuranceReceivablesForAPPClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancingReceivablesAllowanceForAPPClaims" abstract="false" name="FinancingReceivablesAllowanceForAPPClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinanceReceivableOriginations" abstract="false" name="FinanceReceivableOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinanceReceivableCollections" abstract="false" name="FinanceReceivableCollections" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_LossesOnClaimsForPaymentProtectionPlan" abstract="false" name="LossesOnClaimsForPaymentProtectionPlan" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" abstract="false" name="InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancingReceivableAllowanceForCreditLossRecoveredCollateral" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveredCollateral" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_FinancialAsset3To29DaysPastDueMember" abstract="true" name="FinancialAsset3To29DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_FinancingReceivablePercentOfPortfolio" abstract="false" name="FinancingReceivablePercentOfPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_AverageCollectedAmountPerCustomerPerMonth" abstract="false" name="AverageCollectedAmountPerCustomerPerMonth" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables" abstract="false" name="PrincipalCollectedAsAPercentOfAverageFinancingReceivables" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_AverageDownpaymentPercentage" abstract="false" name="AverageDownpaymentPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_AverageOriginatingContractTerm" abstract="false" name="AverageOriginatingContractTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_PortfolioWeightedAverageContractTermIncludingModifications" abstract="false" name="PortfolioWeightedAverageContractTermIncludingModifications" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="crmt_CustomerScore12Member" abstract="true" name="CustomerScore12Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_CustomerScore34Member" abstract="true" name="CustomerScore34Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_CustomerScore57Member" abstract="true" name="CustomerScore57Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_CombinationOfMultipleModificationsMember" abstract="true" name="CombinationOfMultipleModificationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_FairValueOfContingentConsiderationLiability" abstract="false" name="FairValueOfContingentConsiderationLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_PropertyTaxesPayable" abstract="false" name="PropertyTaxesPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_UnearnedRevenue" abstract="false" name="UnearnedRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20231IssuanceMember" abstract="true" name="NonRecourseNotesPayable20231IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20232IssuanceMember" abstract="true" name="NonRecourseNotesPayable20232IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20241IssuanceMember" abstract="true" name="NonRecourseNotesPayable20241IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20242IssuanceMember" abstract="true" name="NonRecourseNotesPayable20242IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20251IssuanceMember" abstract="true" name="NonRecourseNotesPayable20251IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20252IssuanceMember" abstract="true" name="NonRecourseNotesPayable20252IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20253IssuanceMember" abstract="true" name="NonRecourseNotesPayable20253IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NonRecourseNotesPayable20254IssuanceMember" abstract="true" name="NonRecourseNotesPayable20254IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_DebtInstrumentNoncashDebtDiscountWarrants" abstract="false" name="DebtInstrumentNoncashDebtDiscountWarrants" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_DebtTerminationCostsGross" abstract="false" name="DebtTerminationCostsGross" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_NumberOfSeriesOfAssetBackedSecuritiesIssued" abstract="false" name="NumberOfSeriesOfAssetBackedSecuritiesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="crmt_MinimumPercentOfPoolBalance" abstract="false" name="MinimumPercentOfPoolBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_NotesPayablePercentageOfNoteClassifiedAsRecourse" abstract="false" name="NotesPayablePercentageOfNoteClassifiedAsRecourse" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_NotesPayable20242IssuanceMember" abstract="true" name="NotesPayable20242IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NotesPayable20251IssuanceMember" abstract="true" name="NotesPayable20251IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NotesPayable20254IssuanceMember" abstract="true" name="NotesPayable20254IssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_ReceivablesMeasurementInput" abstract="false" name="ReceivablesMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_FairValueInputsDiscountRateIntercompanyTransactions" abstract="false" name="FairValueInputsDiscountRateIntercompanyTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_RestrictedCashFairValueDisclosure" abstract="false" name="RestrictedCashFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_InventoryFairValueDisclosure" abstract="false" name="InventoryFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_LinesOfCreditNetOfDebtIssuanceCostsFairValueDisclosure" abstract="false" name="LinesOfCreditNetOfDebtIssuanceCostsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationTaxCreditReversalAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditReversalAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFinanceProvisionBenefitAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFinanceProvisionBenefitAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationTrueUpAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationTrueUpAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationTaxCreditReversalPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditReversalPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFinanceProvisionBenefitPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFinanceProvisionBenefitPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_EffectiveIncomeTaxRateReconciliationTrueUpPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTrueUpPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_DeferredTaxLiabilitiesFinancingReceivables" abstract="false" name="DeferredTaxLiabilitiesFinancingReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_DeferredTaxLiabilitiesInterestExpenseLimitations" abstract="false" name="DeferredTaxLiabilitiesInterestExpenseLimitations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_PublicOfferingMember" abstract="true" name="PublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_PreferredStockRightOfShareholderAmountOfShares" abstract="false" name="PreferredStockRightOfShareholderAmountOfShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="crmt_PreferredStockRightToShareholderValueOfRedeemedStock" abstract="false" name="PreferredStockRightToShareholderValueOfRedeemedStock" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_The2024EquityIncentivePlanMember" abstract="true" name="The2024EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_RestatedOptionPlanMember" abstract="true" name="RestatedOptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_StockIncentivePlanMember" abstract="true" name="StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_RestatedIncentivePlanAnd2024EquityIncentivePlanMember" abstract="true" name="RestatedIncentivePlanAnd2024EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" abstract="false" name="MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingProceedsOnExerciseRollForward" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingProceedsOnExerciseRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_ProceedsOnExercise" abstract="false" name="ProceedsOnExercise" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_ProceedsFromStockOptionsExercisedGranted" abstract="false" name="ProceedsFromStockOptionsExercisedGranted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_ProceedsFromStockOptionsExercised2" abstract="false" name="ProceedsFromStockOptionsExercised2" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_ProceedsOnSharesCancelled" abstract="false" name="ProceedsOnSharesCancelled" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_StockOptionsExercised" abstract="false" name="StockOptionsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="crmt_DealershipLeasesMember" abstract="true" name="DealershipLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_LesseeOperatingLeaseLiabilityToBePaidNoncancelable" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidNoncancelable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_LesseeOperatingLeaseLiabilityToBePaidOptionForRenewal" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidOptionForRenewal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_SupplementalCashFlowInformationInterestAndIncomeTaxPaymentsAbstract" abstract="true" name="SupplementalCashFlowInformationInterestAndIncomeTaxPaymentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_NoncashTransactionsWarrantsIssued" abstract="false" name="NoncashTransactionsWarrantsIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_DecreaseInReceivablesForDeferredAncillaryProductRevenue" abstract="false" name="DecreaseInReceivablesForDeferredAncillaryProductRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_NetSettlementOptionExercises" abstract="false" name="NetSettlementOptionExercises" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_RightofuseAssetObtainedInExchangeForOperatingLeaseLiabilityThroughAcquisitions" abstract="false" name="RightofuseAssetObtainedInExchangeForOperatingLeaseLiabilityThroughAcquisitions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_TexasAutoCenterMember" abstract="true" name="TexasAutoCenterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_NumberOfDealershipLocations" abstract="false" name="NumberOfDealershipLocations" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="crmt_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetWorkingCapital" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetWorkingCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedRightOfUseAsset" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="crmt_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_EmployeeBenefitsAndShareBasedCompensation1Abstract" abstract="true" name="EmployeeBenefitsAndShareBasedCompensation1Abstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_SellingGeneralAndAdministrativeExpensePercentageChangeAbstract" abstract="true" name="SellingGeneralAndAdministrativeExpensePercentageChangeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_EmployeeBenefitsAndShareBasedCompensationPercentageChangeAbstract" abstract="true" name="EmployeeBenefitsAndShareBasedCompensationPercentageChangeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfCompensationAndBenefitsExcludingShareBasedCompensation" abstract="false" name="IncreaseDecreaseInPercentageChangeOfCompensationAndBenefitsExcludingShareBasedCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfShareBasedCompensation" abstract="false" name="IncreaseDecreaseInPercentageChangeOfShareBasedCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfShareBasedCompensationAndBenefit" abstract="false" name="IncreaseDecreaseInPercentageChangeOfShareBasedCompensationAndBenefit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfOccupancyCosts" abstract="false" name="IncreaseDecreaseInPercentageChangeOfOccupancyCosts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfAdvertisingExpense" abstract="false" name="IncreaseDecreaseInPercentageChangeOfAdvertisingExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageChangeOfOtherSellingGeneralAndAdvertisingExpense" abstract="false" name="IncreaseDecreaseInPercentageChangeOfOtherSellingGeneralAndAdvertisingExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="crmt_IncreaseDecreaseInPercentageOfSellingGeneralAndAdministrativeExpense" abstract="false" name="IncreaseDecreaseInPercentageOfSellingGeneralAndAdministrativeExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="crmt_ChiefAccountingOfficerMember" abstract="true" name="ChiefAccountingOfficerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="crmt_OfficerCompensationCashRetentionAward" abstract="false" name="OfficerCompensationCashRetentionAward" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
