Buying a car with bad credit in Northeast Pennsylvania doesn’t have to be stressful. Car-Lotta Credit makes it possible to get approved—even if you’ve faced past credit challenges—thanks to our flexible in-house financing. With locations in Blakely and Kingston serving drivers across Scranton, Wilkes-Barre, and all of NEPA, we’re here to help you get back on the road with confidence.

Why Car-Lotta Credit Is Different

Many dealerships turn applicants away for low credit scores or past financial issues. Car-Lotta Credit takes a different approach. Our in-house financing team looks beyond the numbers to understand your situation and help you secure a reliable vehicle. Whether you're shopping in Blakely or Kingston, or driving in from Scranton, Wilkes-Barre, or anywhere else in NEPA, you’ll find a friendly team ready to help.

Learn more about how we assist credit-challenged buyers on our Bad Credit Auto Financing page.

What You Need to Bring: Required Documents

To make your approval process fast and smooth, gather these documents before your visit:

• Valid driver’s license
• Recent pay stubs or proof of income(bank statements or benefit statements also work)
• Proof of residence(utility bill, lease, or similar)
• Insurance information(if you already have a policy)
• Down payment — amount varies depending on the program you choose

Bringing these items helps speed up your approval so you can get behind the wheel sooner.

How the Online Application Works

You don’t have to wait until you visit us in Blakely or Kingston to get started. Our secure online application makes the process simple. Submit basic information, and our Car-Lotta Credit team will review your details and contact you quickly with next steps.

You can begin anytime here: Apply Online.

Understanding Our $77 Down Program

One of our most popular options for bad-credit car buyers in NEPA is the $77 Down Program. This program gives many customers the opportunity to get into a dependable vehicle with a lower upfront cost than traditional financing requires.

While eligibility varies, many buyers with past credit issues still qualify. It’s an excellent way to make your next vehicle more affordable without waiting months to rebuild your credit first.

Explore Our Specials

Car-Lotta Credit is committed to helping NEPA drivers save. From seasonal deals to ongoing programs designed for bad-credit applicants, our special offers make it easier to find a vehicle that fits your budget.

See what’s available now on our Special Offers page.

Get Started Today

If you’re in Scranton, Wilkes-Barre, Blakely, Kingston, or anywhere in Northeast Pennsylvania, Car-Lotta Credit is here to help you purchase a reliable vehicle—even with bad credit. Contact our team, visit one of our locations, or check your eligibility online to take the next step. Ready to get started? Apply online, browse specials, or reach out to our friendly staff today.