Here are just a few of the benefits of purchasing your next vehicle from Car-Lotta Credit...
* Selling cars to people with credit issues, is our only business. This is what we do since 1986 every day! Nothing you have to say is going to embarrass you or surprise us. We will make you feel comfortable and try to see if we can help you with your vehicle needs. No pressure to buy.
* All vehicles are serviced in our shop by qualified technicians. In fact, we spend for repairs and reconditioning on average over $1000 on every car we sell!
* All cars come with the exclusive Car-Lotta Credit 6 month/ 6 thousand mile warranty.
* Since the successful completion of your loan is our goal...we aim to have every vehicle, and payment affordable to your individual situation.
* Our cars are vehicles you can be proud to own.
* At Car-Lotta Credit, your on time payments can help you improve your credit rather quickly. We report to the credit bureau monthly, to give you the fastest improvement possible. Most of our competition DOES NOT report to the credit bureaus.
* Our 3 convenient locations make your vehicle shopping very easy.
* Our web site offers on line credit info submission, our blog, and a convenient way to make your payment 24/7 from the comfort of your own home.
This is only a few reasons to make Car-Lotta Credit and Car Sales the place to buy and finance your next car!
CarLotta, www.carlottacredit.com
Monday, June 27, 2016
Monday, June 20, 2016
Should you Co Sign?
What is a Co-Signer on a Car Loan?
This is not the legal definition of a co-signer, so please get advice on your own if have additional questions...but these are the basics of the responsibilities of a co-signer at CarLotta Credit.
* A co-signer is responsible for paying the loan back IF the person they co-signed for defaults (does not make their payments). This could mean that you are responsible for the entire balance of the loan, even if you are not in actual possesion of the vehicle.
* You will be asked to supply some credit information in order for a loan decison to be made.
* If you did not make those payments, it could affect your credit rating as well.
Some guidelines for co-signers....
* Make sure that you can afford the car if the buyer does default.
* Be sure you have a long term relationship with the buyer, to make it worth your while to take on this responsibility.
* Ask the loan company to contact you and keep you posted as to the progress and timeliness of the buyers payments to prevent surprises.
There are good reasons to co-sign a loan for someone, just make sure you understand the responsibility.
* A co-signer is responsible for paying the loan back IF the person they co-signed for defaults (does not make their payments). This could mean that you are responsible for the entire balance of the loan, even if you are not in actual possesion of the vehicle.
* You will be asked to supply some credit information in order for a loan decison to be made.
* If you did not make those payments, it could affect your credit rating as well.
Some guidelines for co-signers....
* Make sure that you can afford the car if the buyer does default.
* Be sure you have a long term relationship with the buyer, to make it worth your while to take on this responsibility.
* Ask the loan company to contact you and keep you posted as to the progress and timeliness of the buyers payments to prevent surprises.
There are good reasons to co-sign a loan for someone, just make sure you understand the responsibility.
Monday, June 13, 2016
You Pay HOW MUCH For Auto Insurance?
Have you checked your auto insurance bill lately?
* Sorry to say, but your driving record is an important part of your insurance cost. If you try to...obey posted speed limits, avoid parking tickets, stay alert and undistracted (like cell phones and nooooo texting), drive slowly and defensively...you will have a lower rate than someone who does not do these things.
* Shop your policy around with different agents, on line insurance companies and types of policy. All you need is an internet connection these days to see what prices you can get. Just Google..."low cost car insurance" and see what comes up.
* Raise your deductible. This can save you money, but be sure if you have a car loan on your car, that you abide by the bank or finance company deductible maximums. Also, don't raise the deductible so high that you are not able to pay it and get your car fixed in the event of an accident.
* Combine your home or apartment insurance with you car insurance for an additional discount. Some companies will give you more of a discount if you give them more of your business.
These are just a few ideas. Give them a try. We all would like to have a few dollars in our pockets right now. At Car-Lotta Credit & Car Sales we are always looking for ways to help you save money...
* Sorry to say, but your driving record is an important part of your insurance cost. If you try to...obey posted speed limits, avoid parking tickets, stay alert and undistracted (like cell phones and nooooo texting), drive slowly and defensively...you will have a lower rate than someone who does not do these things.
* Shop your policy around with different agents, on line insurance companies and types of policy. All you need is an internet connection these days to see what prices you can get. Just Google..."low cost car insurance" and see what comes up.
* Raise your deductible. This can save you money, but be sure if you have a car loan on your car, that you abide by the bank or finance company deductible maximums. Also, don't raise the deductible so high that you are not able to pay it and get your car fixed in the event of an accident.
* Combine your home or apartment insurance with you car insurance for an additional discount. Some companies will give you more of a discount if you give them more of your business.
These are just a few ideas. Give them a try. We all would like to have a few dollars in our pockets right now. At Car-Lotta Credit & Car Sales we are always looking for ways to help you save money...
Monday, June 6, 2016
How Do You Drive In Rainy Weather ?
Storms can crop up suddenly and present substantial hazards on the road; especially during Summer. Losing control of your car on wet pavement is a frightening experience.
Skids are scary but hydroplaning is nerve-wracking. Hydroplaning happens when the water in front of your tires builds up faster than your car's weight can push it out of the way. The water pressure causes your car to rise up and slide on a thin layer of water between your tires.
Prevent skids by driving slowly and carefully, especially on curves. Steer and brake with a light touch. When you need to stop or slow, do not brake hard or lock the wheels and risk a skid. Maintain mild pressure on the brake pedal.
Avoid hydroplaning by keeping your tires inflated correctly. Maintain good tire tread. Don't put off replacing worn tires. Slow down when roads are wet, and stay away from puddles. Try to drive in the tire tracks left by the cars in front of you.
Taking simple tips into account can save your life.
Car Lotta Credit and Car Sales reminds you to buckle up and drive safe!
Skids are scary but hydroplaning is nerve-wracking. Hydroplaning happens when the water in front of your tires builds up faster than your car's weight can push it out of the way. The water pressure causes your car to rise up and slide on a thin layer of water between your tires.
Prevent skids by driving slowly and carefully, especially on curves. Steer and brake with a light touch. When you need to stop or slow, do not brake hard or lock the wheels and risk a skid. Maintain mild pressure on the brake pedal.
Avoid hydroplaning by keeping your tires inflated correctly. Maintain good tire tread. Don't put off replacing worn tires. Slow down when roads are wet, and stay away from puddles. Try to drive in the tire tracks left by the cars in front of you.
Taking simple tips into account can save your life.
Car Lotta Credit and Car Sales reminds you to buckle up and drive safe!
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