Do You Have $77.00 ?

The benefits to you, our customers of CarLotta Credit and Car Sales downpayments starting at just $77 are ...

* We know cash is tight in this economy, a low downpayment on a vehicle  that is serviced and comes with a warranty helps you keep money in your pocket for emergencies

 * Easy to afford

 * The low down payments give us a real reason to keep you as a  satisfied customer.

* We invest on average $1000 in repairs and service for every vehicle we put on our lot.

 * Not only will you get a vehicle , but also the chance to begin rebuilding your credit   

We have vehicles for  this down payment on our lot every day. Stop in and see us.

What Do You Keep In Your Car?

Car-Lotta Credit and Car Sales would like to remind you...No matter what the weather, summer or winter, these are the 5 things you should always have in your car.

1) First Aid Kit. You never know what can happen. If you have kids, this is even more important. You might want to add a few extra bandages to the kit. They are small and are not affected by the temperature changes in your car.

2) Flashlight. The best one is the type that you hold in your mouth, or the kind that strap on your head. This will free up your hands for whatever might need to be done.

3) Jumper Cables. You left your lights on and the car won't start. The battery is old and  failed. This handy item is often used and easy to store.

4) Spare Tire. Whether it is a full sized tire or a space saver, check it to be sure it is the right size for your car and is filled to recommended air pressure. In addition, be sure you have the jack and tire wrench to remove the flat tire and put on the spare tire.

5) Blanket. In case of an accident, or illness,  a very comforting item.

All these items are reasonably priced and make your life much easier in an emergency.

Do You Know About Ride To Red ?

There will be a  new law in Pennsylvania  allowing drivers to go through some red lights.

The bill, called "Ride on Red," has been signed into law by Gov. Tom Wolf. It allows drivers to exercise "due care" and make a decision to legally go through a red light.

The bill was proposed because motorcycles typically do not trigger traffic light sensors that make lights turn from red to green.

Now, when a traffic signal is unresponsive to a driver, the driver can legally drive through the red light, rather than waiting at the intersection.

The bill was initially only for motorcycle riders, but was expanded to include other vehicles.

It was signed into law on July 20th and takes effect in September.

How Long Should Your Auto Loan Be?

Are you  thinking about buying a car?
You are  probably thinking about financing. You may be trying to get the lowest interest rate or find a good monthly payment. Don't forget  to take in to consideration  how long you plan on paying off your car ( known as your loan term).
Auto loans are structured to offer 12-month increments and last somewhere between two and eight years. This means you'll find available loans of 24 months, 36 months, 48 months, 60 months, 72 months and 84 months. The average new car loan is around 65 months,  while the average used car loan is shorter.

When you're buying your next auto and  considering a  loan, opt for the shortest term and the best possible interest rate. This might not be the most appealing idea, considering it will increase your monthly payments. In the long term, you'll thank yourself when you've saved thousands in interest and paid off your car years before you thought you would.

Car-Lotta Credit and Car Sales is an in house finance company- We structure short term  auto loans for our customers.