Get approved and drive away happy
About Car-Lotta Credit
More than 20 years ago, Car-Lotta Credit was founded to solve a challenge most dealerships ignored: helping good people with bad credit get reliable transportation. Back then, traditional banks and car dealers had strict rules that left too many NEPA drivers stuck—so we became a licensed financial lender first, a dealership second. By focusing 100% on in-house approvals, we’ve served more than 25,000 customers, financing cars when other places couldn’t or wouldn’t.
Today, that same banking license means you get flexible terms, fast decisions, and honest support—because your past shouldn’t keep you from moving forward.
How We Do Things Differently
Exclusive Car-Credit Specialists
Every member of our team is dedicated to helping credit-challenged buyers. You’ll work with someone who truly understands your situation and is ready to listen.
In-House Financing Power
Because we’re a bank-licensed lender, approvals are fast, flexible, and handled right here. This keeps your loan personal and makes the process far less stressful.
Respect Without Judgment
Whatever your story, you’re met with understanding—not stigma. We focus on what’s possible, helping you take positive steps for your future.
Built for People Who Needed a Real Second Chance
Our mission is simple: to give every driver in Northeast PA a fair shot at getting the car they need, with respect, clarity, and real support.
Proudly Rooted in the Northeast Pennsylvania Community
With offices in Blakely and Kingston, Car-Lotta Credit has deep roots in Scranton, Wilkes-Barre, and communities across Northeast Pennsylvania. Our commitment shows in the way we support local causes, participate in community events, and invest in long-term customer relationships. Whether you’re in the Poconos, Hazleton, Pittston, or Carbondale, you’ll find a team that cares about your experience—on and off the lot. Trusted by neighbors, reviewed by families, and recognized by regional associations, we’re here for you.
