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.