Can I Sign and Drive?

Buy here pay here dealerships specialize in car buyers who have bad credit or no credit history at all (i.e., no credit score). Since lenders may consider the buyer high-risk, the car dealer provides the buyer with an opportunity to finance the vehicle with them. However, since a financial institution may consider you a high-risk borrower, you will be paying a higher-than-average interest rate through a buy here pay here dealer to drive away in your new vehicle. 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. 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. Chances are, we probably have the vehicle you want, at one of our 2 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 2 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.

What Are The Pros to buying at a Buy Here Pay Here Dealership?

Below are a few of the advantages of a buy here pay here dealer: Approval for No Credit - Low Credit and Credit-Challenged buyers- If you have a low credit score or no credit history, you will be pleased with the potential of approval for a car loan with a buy here pay here dealer. Approval standards with a BHPH dealer are typically lower than most traditional lenders. If you are credit-challenged and need to finance your car, then there is hope with this method. The car buying process is simple- When purchasing a car from a BHPH dealer, you are done with all the paperwork and financing when you drive your car off the lot. It may take some time to complete the loan process with traditional car dealerships, especially if you have bad credit. There is less hassle when dealing with a BHPH dealership, and the process goes more quickly. Proven Results We have served over 18,000+ customers, just like you! No one in NEPA even comes close. Let us show you what we can do for you!

What is a Buy Here Pay Here Dealer

What is the meaning of pay here? When you sign a contract to buy a car with a traditional car dealership, it passes the contract on to an auto lender, which provides a loan for the purchase. With a buy here, pay here (BHPH) dealership, however, the dealer sells and finances the cars on its lot. Car-Lotta Credit and Car Sales - Credit Problems? Need a Car? You Need Car-Lotta Credit! We understand that for most people, getting a car - truck - SUV or minivan means getting the credit also. You need your vehicle to be able to get to work and support yourself and your family. We understand that good people can, and sometimes do, have a less than perfect credit record. At Car-Lotta Credit and Car Sales, we approve your loan, not some banker. At either of our superstore offices, you can talk to one of our credit specialists in person, about your credit and your loan. Over 28 years of experience in helping people of Northeast PA gives us the ability to approve loans that no bank or normal finance company will ever be interested in. Let us show you what we can do for you! Experienced Credit Specialist We are the "Credit Specialist". Some car dealers "offer" to help as part of their business. "This is all we do." Automobile financing is our business. No matter what credit issues you may have, we’ve seen it before. Nothing you have to say about your credit is going to surprise us, or embarrass you! We can help you deal with your credit issues and supply a reliable car. Life’s events can be difficult and can lead to less than perfect credit: unpaid medical bills, student loans, loss of job, divorce. We can help!

What Happens If You Change Insurance Companies?

If you change your auto insurance, you may receive a letter from PennDOT requesting proof of insurance. Be sure to respond so your vehicle registration isn't suspended. Auto insurance companies are legally required to tell PennDOT when they cancel your insurance policy. But....... your new insurance company is not required to notify PennDOT that you just bought insurance. PennDOT may assume you do not have insurance and send you a "proof" letter. Car-Lotta Reminds you that car insurance offers financial protection. If you cause a car accident, you may be held responsible for costs associated with it. These may include legal fees, the injured person's medical expenses or their lost income if their injuries leave them unable to work. Liability coverage may help pay for these costs.