Frequently Asked Questions

Exactly what does Car-Lotta Credit and Car Sales do?

We help people with credit problems such as bankruptcy, no credit or bad credit, get reliable transportation and a car loan, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists, this is all we do. We treat our customers with the respect they deserve. Have you been treated rudely or differently at a car dealership when the salesperson found out you had credit issues? NOT AT Car-Lotta Credit! Any credit problem you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us, or embarrass you. Car-Lotta Credit and Car Sales have helped over 18,000 people in Northeast PA get the car, minivan or truck they want. No other dealer or vehicle finance company in Northeast PA has done more than Car-Lotta Credit has. We can help you.

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Does that mean you charge high interest rates?

No – At Car-Lotta Credit our interest rates start as low as 12% APR, and we offer terms as long as 36-48 months. In some cases, our payments are lower than a normal car dealer's. In addition, our loan process is quick and easy.

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Do you need large down payments?

Car-Lotta locations have vehicles starting with down payments as low as $200. We know you work hard for your money. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. In addition, all Car-Lotta Credit cars come with the exclusive Car-Lotta Credit warranty. We offer not only the car, but peace of mind as well. Previous customers  may qualify for a 0 down approval!

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What kind of cars do you sell?

At Car-Lotta Credit and Car Sales, we sell all kinds of cars, SUV’s, minivans and trucks, including work trucks. We have sporty 2 doors, 4 door sedans, minivans, and sport utilities. Mileage varies, but starts at about 40,000 miles. We have vehicles up to 2013’s in stock now. Do you need a work truck? How about something a little more reliable? Is a minivan more convenient for your growing family? Whatever you need we have it at one of our superstore locations. Every vehicle is serviced at our own in-house facility so you can be sure of safe, reliable transportation.
All vehicles include our sxclusive Car-Lotta Credit and Car Sales Warranty.

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What are the requirements for purchasing a vehicle at Car-Lotta Credit?

You will need a valid Pennsylvania Driver’s License,  proof of income,  your trade if you have one, and any down payment you may be working with. You will talk to one of our credit specialists, and we’ll show you vehicles that fit your budget and credit situation. At Car-Lotta Credit, we want the vehicle, and the loan, to fit your specific needs.

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How do the payments work?

Payments can be weekly, bi-weekly, or monthly, based on income, your personal situation and the vehicle purchased. We are able to provide more flexible financing options than new car and ordinary used car dealerships, because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Payments are usually made at our office but can be mailed in or even made online. We will custom design a financing program based on what works best for your individual situation.

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How long does it take?

Chances are, we probably have the vehicle you want, at one of our 3 locations right now. About half of our customers can drive home in a Car-Lotta vehicle the same day they visit us. Others may need to go home and bring us pay stubs or the like to be able to take delivery. If you bring in all the information we need, it can take as little as 20 minutes! With 3 offices to choose from, our inventory selection is always good. You can even apply on-line 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that.

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What types of people buy cars from Car Lotta Credit?

Car-Lotta Credit helps all kinds of people buy cars. We understand that good people can, and sometimes do,  have credit problems. Car-Lotta Credit has helped professionals, white collar and blue collar workers, medical professionals, divorced people, people with unpaid bills, and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define, you or your credit situation. Race, religion, gender or marital status is not an issue. At Car-Lotta Credit, you are treated as an individual. not just a credit rating. Our credit specialists will discuss with you the vehicles and loan terms that work for you. And remember, no matter who you are or what your credit situation, we will treat you with dignity and respect.

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Can I take my vehicle to my own mechanic for him to inspect it before I purchase?

Yes, that is possible, as long as you are approved beforehand for that vehicle. We have confidence in our vehicles and stand behind them.

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Do you take trade ins?

Yes, we take trade ins of any make, model and year, even of they don't run!  If you owe money on your trade, please be sure to bring your finance information with you including account number, phone number, and name of bank or finance company.

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I have a bankruptcy, can you arrange financing for me?

Yes! If you have filed  a Chapter 7  we may ask you  to bring some paperwork with you confirming that you have already met with your creditors or that this is discharged- If you have filed a  Chapter 13 we may ask for a Letter of No Position.

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How do you help people rebuild their credit?

Car-Lotta Credit sells cars and makes loans to people that banks and most car dealerships don’t want, or aren’t prepared to deal with. One of our goals is to build a long term arrangement with you. The vehicle and loan you purchase will fit your ability to pay. We want you to complete your loan successfully and then purchase your next vehicle from us. Many of our customers are able to upgrade vehicles in 12 months from their first purchase from us. Your successful loan completion at Car-Lotta Credit will enhance your credit rating. Plus, when you buy from Car-Lotta Credit, we help you stay current. Your payments may be made weekly or bi-weekly instead of monthly. You may find it is easier for you to budget.  And because we don't shop your loan around to a bunch of banks, your credit report won't suffer by making it appear like you're looking for money—which is exactly what happens when you buy from other dealerships. Best of all, unlike smaller dealerships, each time you make an on-time payment to us, we'll report it to the credit bureaus, so you can start to establish a better credit rating immediately. Also, most payments are made at our office. Our Car-Lotta Credit customers get to know our sales and credit consultants, and we get to know you. This personal “relationship” helps you work through some of the potential problems you may have making payments. Try that at a bank!

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What about these companies advertising to “Fix” my credit for a large fee?

The fact is, no one can fix your credit related problems but yourself. We can help you get back on track…but it is up to you. Whatever problem that caused you to be late with payments, not make payments etc., you now have a blemished credit record. If you want to regain control of your life and have some of the things people with good credit have like … unsecured credit cards, big screen TV’s, new appliances and furniture, without “renting” them for big bucks or even to eventually purchase a home...you have to get your credit rating back. Your on-time payments at Car-Lotta Credit will help you to do that. One thing to keep in mind as you begin to rebuild your credit, is that it is easy to ruin your credit but fixing it will take some time, and effort on your part. It won’t happen overnight, but if you are serious, and work at it, you can turn it around. At Car-Lotta Credit, we can help.

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If I want to be approved for a Car-Lotta Credit and Car Sales loan and vehicle, what do I have to do?

You have a number of choices..... First, you could stop by one of our offices and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed manner. Once your budget and needs are established, you can select a vehicle. Or... You can phone one of our offices and do it over the phone during regular business hours. We don’t have a “24 hour computerized” phone system. Every person is different and we want one of our credit specialists to speak to you in person. We don’t want some machine telling us which customers to approve. That personal touch is one of the things that make Car-Lotta Credit and Car Sales different. Or... You can apply for pre-approval online at this site. Just go to our “Online Credit Approval“, fill out the information, and one of our credit specialists will personally review it. Then we contact you by phone or email within 24 hours!

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If I purchase a car from Car-Lotta Credit and do have some problems with my payments, what should I do?

The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment, it is extremely important that YOU contact your Car-Lotta Credit office and let us know BEFORE the payment is due. You can call, email or stop in. We do understand that people sometimes experience financial setbacks. It is your loan. It is up to you, to keep the lines of communication open.

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How many vehicles do you normally have in stock?

As I write this we have approximately 185 vehicles in stock at 3 locations. If you drive by our offices and don’t see that many vehicles, there could be several reasons.  First, it takes us about 5 days to service and clean all of our vehicles. We will not sell a vehicle unless it is serviced and ready to be sold.   Second, once that is done, they have to be transported from our service facility to the correct Car-Lotta Credit office.   Third, our lots sometimes are quite full. If that is the case, we store the vehicle until we can find the room on our lots.  Lastly, we sell our vehicles rather quickly. If we deliver 5 or 6 vehicles in one day, it may take us a day or two to get the replacement vehicles to the lot. In any event, even if you don’t see the vehicle you are looking for on our lot, we probably have it right now! Ask a sales consultant, don’t delay, stop in email or call today.

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What makes you different from the other car dealers advertising for people with credit problems?

Many things make us different, but here is a short list...

  • We are The "Car Credit Specialists." This is all we do.
  • Over 18,000 customers and 28 years experience
  • 3 locations to choose from
  • Exclusive Car-Lotta Credit Warranty
  • Professional, experienced, highly trained staff
  • Some of the best vehicles you will find!
  • We match the car, the payments and the term of the loan to your individual situation
  • We are in this for the long haul. We will always be here when you need us.

This is only a short list. Call or stop in to see for yourself!

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