Drive home for just $77 down
Get Approved Today—No Credit, No Problem
If you’ve struggled with credit or just want a dealer who gets it, you’re in the right place. Many drivers in NEPA worry that past financial issues will keep them off the road, but Car-Lotta Credit makes car ownership possible. As a local, bank-licensed lender with 20+ years of experience, we’ve helped thousands from Scranton and Wilkes-Barre get approved fast—even when other dealers say no. Our friendly team works one-on-one to match you with a reliable car and payment you can afford.
Turn “No” Into “Yes”—Real Benefits for Pennsylvania Drivers
Life gets a lot easier when your car dealer makes approval simple. With Car-Lotta Credit supporting your next move, you’ll see why so many people across Northeast PA choose us every year.
Just $77 Down
Forget massive upfront costs. Our $77 Down Program puts keys in your hand, no matter your credit story.
Fast, Friendly Approvals
We know your time matters. Most approvals take under 20 minutes so you can drive away the same day.
Bank-Licensed Lending
Tired of banks turning you down? Here, every approval comes directly from us—no outside lenders, no runaround.
Get Online Credit Approval
Don’t let bad credit or no credit hold you back. We approve loans directly—fast and easy with
In-House Auto Financing.
Explore Our Special Offers
Instantly save on your down payment with our exclusive online coupon or — drive away today for just $77 down.
★★★★★
Trusted by Thousands Across Northeast Pennsylvania
Our reputation is built on decades of real results, personal service, and a commitment to treating every customer with respect. Experience the difference of a dealer who puts your future first.
Proudly Serving Northeast PA—Local, Family-Owned, Always Here
From our Blakely and Kingston offices, Car-Lotta Credit supports drivers in Scranton, Wilkes-Barre, and throughout NEPA. Our reputation is built on decades of real results, personal service, and a commitment to treating every customer with respect.
