Car-Lotta Credit and Car Sales Blog

Select a story from the drop down below or browse any of our recent stories from the Car-Lotta Credit and Car Sales blog.

What Do You Keep In Your Automobile In Case Of A Break Down?

Mon, 29 Jun 2020 12:00:00 +0000
Summer heat can  wreak havoc on a vehicle and its function. The warm weather, hot roads, long  trips, and dry air combine to create a hostile work environment for your car. Here are a few things to consider as you hit the road during  hot summer months.

Checking your tire pressure is an important things to  do  — especially during the summer months. Hot tires on hot pavement is  a recipe for a blowout. If your tires are improperly inflated, the risk of catastrophic failure is even greater. Help prevent hazardous situations by checking your tires once a month and replacing them before they become dangerously worn.

Hot weather can also shorten your battery’s usable life. The extra vibration from summer trips can also damage your battery. It’s always a good idea to carry a set of jumper cables, or even a battery jump box, so you don’t get stranded. Check your car’s battery terminals for corrosion, and make sure the battery itself is  mounted securely.

 Low coolant levels can literally kill your engine. Worn hoses or a damaged radiator can allow coolant to leak and engine temperatures to rise. Keep an especially close eye on your vehicle’s temperature gauge during summer months to prevent  any overheating.
Every driver should put together a “summer breakdown kit”:
  • Water (one gallon per person)
  • Non-perishable snacks
  • First aid kit
  • Sunscreen
  • Emergency blanket (doubles as shade)
  • Flashlight or headlamp
  • Basic tool kit
  • Pocket knife and/or multi-tool
  • Duct tape
  • Tow strap
  • Replacement fuses
  • Cell phone charger
  • Jumper cables
  • Hazard signs and flares
  • Can of tire sealant
  • Shop towels or paper towels
  • Work gloves
Car-Lotta Credit and Car Sales reminds you to Drive Safe.... and enjoy your summer 

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Ever Lock Your Keys In Your Vehicle??

Mon, 22 Jun 2020 12:00:00 +0000


It can happen to anyone...A lockout. There’s no shame in calling for help, it doesn’t make paying a tow truck or locksmith any easier. After all, the last thing you want is an unexpected bill because of an honest mistake.
With a little preparation, you can have a backup plan ready to solve the problem yourself. So don’t let one forgetful moment ruin your entire day.
These methods to MacGyver your way back into your vehicle:
  • Keep a spare key. The quickest, easiest backup plan is to have access to a spare key. Stash a spare in your wallet or purse. Leave a copy with a friend or loved one who can come and save the day. Or consider concealing a door key somewhere on or under your vehicle using a magnetic “hide-a-key” box. If hiding a key, make a copy — don’t use an original. A copied key will allow you to unlock the door, but won’t start the ignition on most modern vehicles equipped with an anti-theft security system.
  • Unlock the car remotely. If you can’t get in on your own, many automakers now offer remote assistance services. Each manufacturer markets its own brand of service (such as OnStar, Sync, Blue Link or mbrace). But they’re all capable of unlocking your vehicle via satellite. If your vehicle has a connected car system, just call the number provided by your automaker to remotely unlock the door. Since some services are subscription-based, it’s always worth checking to see if this option is available and enabled before you really need it.
  • Remember your code. If you’re driving a car with a keypad entry, you may be in luck. Just enter your code and you’ll be inside with the push of a button. This technology can be found on most Ford, Lincoln and Mercury vehicles manufactured over the past 20 years — but it’s not widely used by other makes and models.
  • Make your phone a key. Many new cars with remote assistance services also include smartphone capabilities. It may be an expensive feature, but it can turn your phone into a spare key with nothing but an app. Ask your dealer for details or check out your automaker’s website to see if and how you can utilize this high-tech option.


If you can’t get into the car on your own, you’ll need to call for help. There’s no need to worry. It just might take a little longer to unlock the door, since you’ll have to wait for assistance. If you’re not sure who to call, here are some services to add to your contacts:
  • Roadside assistanceIt’s an optional coverage that’s easy to add to your auto insurance policy and only costs about $5 per vehicle per year.
  • Towing companies: If you don’t have roadside assistance, you can call a towing company directly. Call the company of your choice or dial 411 to find services near you. Most tow companies can help unlock your vehicle. But if not, they can always tow your car to someone who can.
  • Locksmiths or dealerships: Locksmiths can always help in the event of a lockout. But they’re especially useful if you’ve lost your key and need a replacement. Since most modern vehicles use keys with a security transponder chip, it takes specialized equipment from a locksmith or auto dealer to make a replacement key. Just have your vehicle identification number and proof of ownership ready. A professional locksmith service can get pricey.


One way to get back into your car is to call your local law enforcement authorities. However, keep in mind that locking your keys in your car doesn’t typically qualify as an emergency. Police officers are concerned with public safety, so generally, life or property has to be at risk for them to respond.
If a child is locked in the car or you’re in danger, call 911 immediately. Otherwise, you can try to call a local non-emergency number for help. But if the coast is clear, expect them to respond to more urgent calls or recommend a tow truck.


The best way to make sure you and your keys don’t end up on opposite sides of the door is to keep them on your person.
Here are a few tips that can help make all the difference:
  • Always lock doors from the outside. Some vehicles won’t lock if your fob is still inside. But manually locking the door while you’re in the car could override that feature. Always lock the doors from the outside to reduce the risk of trapping your keys inside.
  • Take the key with you. If your engine is running, some security systems may automatically lock the doors assuming you’re getting ready to drive. Before you step out, turn the engine off and immediately put the key in your pocket.
  • Use a lanyard or keychain. A lone key is easy to lose, but lanyards and keychains make them much easier to keep track of. Attach a lanyard or chain to your keys to make them more noticeable.
Car-Lotta is looking to give you helpful tips!  

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Ever Get Caught In A Tornado?

Mon, 08 Jun 2020 12:00:00 +0000
In the event of severe weather, it is important to know where a tornado could form and what safety precautions you should follow. You should  know what to do if you are driving and become caught in severe weather.

Strong winds from a tornado are capable of picking up debris and depositing it miles away from where it was lifted. If winds are strong enough, vehicles can be blown over and picked up by the tornado.

Trying to outrun a tornado in your vehicle is the number one thing to remember NOT TO DO.

Trying to outrun a tornado is a bad idea because tornadoes have the potential to travel over 60 mph and they don't have to follow road patterns. Driving on a 90-degree angle away from the tornado is a good strategy to follow in order to distance yourself from the tornado.
A compass or GPS may be helpful to determine which way to drive on a 90-degree angle away from the storm.

If you see a tornado developing where you are driving, the best thing to do is to pull over and evacuate your vehicle. Seek shelter in the nearest sturdy building or storm shelter; do not hide under your car. The wind could potentially roll your car over.

 If there is no available shelter, find the nearest ditch or low-lying area and crouch low to the ground covering your head with your arms.

Potentially sturdy structures to look for while driving are fast food restaurants and banks. Fast food restaurants will usually have a cooler that could withstand a tornado similar to a safe in a bank.

Seeking shelter in an interior wall is also a good idea.  The more walls between you and the tornado, the better off you are.

Underpasses may seem like a safe place to hide, but this is a myth, due to the fact that they are above ground. Winds from a tornado can accelerate through the small places of an underpass causing the potential for the underpass to collapse or your vehicle to be blown away.

Car-Lotta reminds you to  know where you are and what counties have watches and warnings issued for them, and keep a watchful eye to the sky.

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We We Open With More Hours

Mon, 01 Jun 2020 12:00:00 +0000


 for Online Sales and Customer Service .


    Monday        9:00 am to  5:00 pm
    Tuesday        9:00 am to  5:00 pm
    Wednesday   9:00 am to  5:00 pm
    Thursday       9:00 am to  5:00 pm
     Friday            9:00 am to  5:00 pm
    Saturday        9:00 am to  5:00 pm


We are still unable to accept walk-in customers.

We are using internet resources to do as much as possible.

You can view a current inventory listing on our website.

You can call, message, or email us about the vehicle you're interested in.
 You can visit the lot and walk around any vehicle to see it in person, but a salesman is still unable to come out to assist you.


Customer Service Representatives  are  available Monday thru Friday from 9:00 until 5:00 to process payments via phone. The telephone numbers is 570.714.1971.


Our Service Coordinator  is available  Monday thru Friday  from 9:00 am  to 5:00 pm to discuss service issues. The telephone number is  570.954.2279.


Please Be safe, Be cautious, Be kind.

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Memorial Day 2020

Mon, 25 May 2020 12:00:00 +0000
 Memorial Day is known for being the unofficial start of summer. The three-day weekend usually involves a backyard barbecue, and  most importantly, time spent with family (and maybe even friends, if your area has eased social distancing restrictions!).
It's important to remember that this holiday is about so much more than a cookout. First and foremost, it's observed to remember those who fought for our freedom—the heroes who gave their lives to protect the prosperity of our country. We hope you'll choose to pause and remember them this year, and to remind your children and family members to do the same.
 We all know that the holiday comes around every May, but its exact date changes year to year. This year, Memorial Day is on Monday, May 25, 2020. The date changes every year, but there actually is a method to the madness: Memorial Day is always held on the last Monday in May.

Car-Lotta Car Sales  will be CLOSED on
Monday, May 25th 2020 in observance of Memorial Day.

We will RE OPEN on Tuesday, May 26th 2020 at 9:00 AM.

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Is Your Registration Or Inspection Expired

Mon, 18 May 2020 12:00:00 +0000
PennDot Extends Expiration Dates to June 30, 2020

PennDOT Extends Expiration Dates on Vehicle Registrations, Vehicle Inspections

 – The Pennsylvania Department of Transportation (PennDOT) announced today that expiration dates for vehicle registrations and safety and emission inspections will be extended for Pennsylvania residents in response to statewide COVID-19 mitigation efforts.
Deadlines on the following products will be extended effective May 12, 2020:
• Vehicle registrations of all classes which includes, but not limited to, mass transit vehicle registrations, apportioned vehicle registrations, fleet vehicle registrations, dealer plate registrations, temporary registrations and biennial farm exemption certificates scheduled to expire from March 16 through May 31, 2020, the expiration date is now extended through June 30, 2020.
• Safety inspections and emissions inspections scheduled to expire from March 16 through May 31, 2020, the expiration date is now extended through June 30, 2020.
• Persons with Disabilities parking placards scheduled to expire from March 16 through May 31, 2020, the expiration date is now extended through June 30, 2020.

These extensions are in addition to those announced on May 1 related to driver’s licenses, photo ID cards, and learner's permits scheduled to expire from March 16, 2020 through May 31, 2020 – these products are also extended through June 30, 2020. A camera card is considered a driver's license, so it is covered by the same terms and conditions extending other driver's license products.
Additionally, limited services are available at some Driver License and Photo License Centers. For a list of open driver license and photo license centers and the services provided, as well as their hours of operation, please visit

Customers may continue to complete various transactions and access multiple resources online at Driver and vehicle online services are available 24 hours a day, seven days a week and include driver's license, photo ID and vehicle registration renewals; driver-history services; changes of address; driver license and vehicle registration restoration letters; ability to pay driver license or vehicle insurance restoration fee; and driver license and photo ID duplicates. There are no additional fees for using online services.

PennDOT will continue to evaluate these processes and will communicate any changes with the public.

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We Are Open For Online Sales

Mon, 11 May 2020 12:00:00 +0000
We are extremely happy to announce that we have reopened
for Online Sales!!!

Our limited hours for the month  of May are
Monday through Friday from 9:00 am till 5:00 pm
Here's what YOU need to know:
We are using all of our online/internet resources to do as much as possible.

We are scheduling appointments to limit the amount of people in our offices
This can be done via phone or through our Facebook Page or Website.

We will continue practicing social distancing.
You MUST WEAR A MASK to enter our office. We will be wearing them too.
We may ask to take your temperature.
We have SANITIZED WORK AREAS with sneeze shields.
The inventory has been detailed, and sanitized.

Customer Service Representatives are available Monday thru Friday from 9:00 until 5:00 so you to keep them informed on your financial situation during this difficult time or to process payments. 
                   The telephone number is 570.714.1971.

Our Service Coordinator is avail to discuss service issues.  Service appointments will be on a very limited basis.                     The telephone number is 570.954.2279.

  Car-Lotta reminds you …..            Please Be safe, Be cautious, Be kind.

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Has Your ID recently expired?

Mon, 04 May 2020 12:00:00 +0000
PennDOT Extends Expiration Dates on Driver Licenses, ID Cards, and Learner’s Permits
Harrisburg, PA – The Pennsylvania Department of Transportation (PennDOT) announced today that expiration dates for driver licenses, identification cards, and learner’s permits, will be extended for Pennsylvania residents in response to statewide COVID-19 mitigation efforts.
Effective April 30, 2020, expiration dates for driver licenses, photo ID cards and learner's permits scheduled to expire from March 16, 2020 through May 31, 2020, are now extended through June 30, 2020.
These extensions are in addition to those announced  on March 27.
Additionally, all Driver License Centers and Photo License Centers and the Harrisburg Riverfront Office Center in Pennsylvania are closed until further notice effective close of business on Monday, March 16
As a reminder, customers may complete various transactions and access multiple resources via the Driver and Vehicle Services website, Driver and vehicle online services are available 24 hours a day, seven days a week and include driver's license, photo ID and vehicle registration renewals; driver-history services; changes of address; driver license and vehicle registration restoration letters; ability to pay driver license or vehicle insurance restoration fee; driver license and photo ID duplicates; and driver exam scheduling. There are no additional fees for using online services.

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Do You Use Rideshare Or Public Transportation?

Mon, 27 Apr 2020 12:00:00 +0000
Many people use rideshare or public transportation. 

We suggest :  
    Avoid using rideshares or public transportation if alternatives are available

      Avoid touching as many surfaces as possible & keep your hands off your face

       Opt for using credit or debit cards instead of cash (money harbors many germs)

         Sit as far away from other passengers as possible

        Bring sanitizing wipes and wipe down seat belts, door handles, arm rests, etc.

                Wash hands with soap and water for 20 seconds as soon as possible after exiting any form of transportation  / Use hand sanitizer with at least 60 percent alcohol.
                  Car-Lotta reminds you to stay safe!!


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What Shoud You Pay Attention To When You Sanitize Your Vehicle?

Mon, 20 Apr 2020 12:00:00 +0000

        Clean and sanitize your vehicle after every trip. That way if you need to use your vehicle in case of an emergency, it will be ready to go.

Here are a few  frequently touched vehicle surfaces to pay attention to:


    Car keys & fobs

    Exterior and interior door handles

     Steering wheel

     Power ignition button, window switches, radio, GPS, other buttons & dials

    Gear shift

     Seat belts & seat belt buckles

    Car seats & booster seats

    Air vents

    Cup holders

   Grab handles

   Head rests

   Seat pockets

         Keep sanitizing wipes/cleaner in your vehicle to regularly clean vehicle surfaces and use while running essential errands.
   Carlotta reminds you to always wash your hands for at least 20 seconds or use hand sanitizer with at least 60% alcohol before you drive or ride in a vehicle. Make sure all passengers do the same.

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Do You Have To Go Out?

Mon, 13 Apr 2020 12:00:00 +0000

The best defense for preventing the spread of COVID-19 is to stay at  home and practicing social distancing whenever possible. If you have to leave home, please be sure to follow a few safety tips to protect yourself and your family.

·         Do not ride inside a vehicle with someone who has or suspects they may have COVID-19. The virus can be spread by sharing air space or touching surfaces an infected person has come in contact with. The virus can stay on surfaces found in cars for days.

·         Wearing disposable gloves, use soapy water to clean vehicle surfaces prior to wiping down surfaces with a disinfectant. This removes grease and dirt allowing you to effectively sanitize.

·         Clean and sanitize your vehicle after every trip. That way if you need to use your vehicle in case of an emergency, it will be ready to go.
                    Car-Lotta reminds you to stay safe!

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Thinking Of Sanitizing Your Vehicle Against Coronavirus ?

Mon, 06 Apr 2020 12:00:00 +0000
You should clean and sanitize any frequently touched surfaces in your vehicle.
 These include but are not limited to :
  • Steering wheel
  • Door handles
  • Shift lever
  • Any and all buttons (especially window buttons)
  • Touchscreen displays
  • Wiper and turn signal stalks
  • All interior armrests, including those on the doors, center console, and pull-down armrests in rear bench seats
  • Door grab handles
  • Ceiling and pillar grab handles
  • Seat adjusters
  • Door glass
All of these items and most other plastic trim pieces can all be safely sanitized with 70-percent isopropyl alcohol.

 Car-Lotta reminds you to  wash your hands before you enter your vehicle  and first thing after you exit.. This will help prevent spreading of not only COVID-19 or other germs.

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Are You Staying Safe?

Mon, 30 Mar 2020 12:00:00 +0000

We would like to take this opportunity to assure you that we are mindful of the health, safety and welfare concerns  of our customers and  our employees during this challenging time. With this in mind we have implemented the following changes: 

Effective immediately we have suspended Auto Sales per the government mandate. 

Customer Service will be available Monday thru Friday from 9:00 until 5:00 to process payments via phone. The telephone numbers are 570.714.1971 or  570.954.1464.

Recurring payments will continue to process.  

We  Will NOT be accepting Walk In Payments Until Further Notice. 

Our Service Coordinator  will  be avail to discuss service issues. The telephone number is  570.954.2279. Service appointments will be on a very limited basis.


We would invite you to visit  to contact any of our locations with any questions or concerns you may have.

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Do You Know What AWZSE is??

Mon, 23 Mar 2020 12:00:00 +0000
PA Drivers are being warned to slow down or pay up as work zone speed cameras in Pennsylvania are  in effect across highways in the Keystone State.
The implementation of Automated Work Zone Speed Enforcement (AWZSE) program comes after months of a pilot program ended.

Drivers going 11 mph or more over the speed limit will get a warning for a first offense. They will then be fined $75 for a second violation and $150 for subsequent violations.

Car-Lotta reminds you- Slow Down or PAY UP!!! 

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How Are You Dealing WIth COVID-19?

Mon, 16 Mar 2020 12:00:00 +0000

Car-Lotta Car Sales  prides itself on the relationships it has built with its customers and the communities in which we do business. As news continues to develop regarding the spread of the COVID-19 virus, otherwise known as coronavirus, we would like to take this opportunity to assure you that we are mindful of your health, safety and welfare concerns during this challenging time.

We continue to closely monitor this situation and the recommendations of the Centers for Disease Control and Prevention. While our dealerships are cleaned daily, we are also implementing supplemental procedures to deal with this situation. Prevention begins with the recommendations of the Centers for Disease Control and Prevention for hand-washing, of covering one’s mouth and nose when sneezing or coughing and avoiding contact with people who display symptoms. We have also asked our team to temporarily refrain from shaking hands, doing high-fives or fist bumps.

Of course, we offer a wide array of online options for our customers where they can do everything from  request a  service appointment to submitting credit applications and selecting inventory and make your payment. We would invite you to visit  which will enable you to contact any one of our locations.

Our thoughts go out to anyone who may be affected by the coronavirus. This situation is changing rapidly and we will continue to monitor events as they occur. Thank you again for your continued business.

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Did You Spring Ahead??

Mon, 09 Mar 2020 12:00:00 +0000
Less sleep, more daylight. We’ll miss that hour in bed, but many will gladly make the exchange for the promise of the warmer, brighter days. There’s just the pesky matter of all those clock changes. Millions of us  will scramble around the house to sync the microwave clock to the oven, and the alarm clock.  
Daylight saving time has gotten easier since the smartphone has replaced so many wristwatches  access the internet. In vehicles, GPS-linked navigation systems often change the time automatically in the same way. Of course, most folks have a clock in their car that not only needs adjusting manually but is often the most complicated function in the entire car.

Each car clock and stereo seems to possess its own set of frustrating  directions. Newer vehicles  - especially those with flashy computer consoles - will change their clocks automatically. But for those with   older models, you will have to change it yourself . If you’re like most,  it’ll be weeks before you give in and adjust your dashboard clock.

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How Often Do You Service Your Vehicle?

Mon, 02 Mar 2020 13:00:00 +0000
                    Does Your Vehicle Need Service ????

As a vehicle owner it is vitally important that you are carrying out regular maintenance on your vehicle. Without proper maintenance, your vehicle will be a lot more likely to be prone to more serious problems in the future that could lead to you being greatly out of pocket.

By performing routine maintenance on your vehicle, it will  reduce the risk of serious problems occurring in the future as well as improving the driving quality of your vehicle. Many vehicle owners fail to perform the necessary vehicle maintenance tasks that are so important due to ignorance, lack of awareness or even laziness.

Car maintenance is not a difficult task for most drivers. Even drivers with limited motor knowledge are able to perform maintenance tasks such as checking your tire pressures, changing the oil, and checking other engine fluids in your vehicle. If some of these maintenance tasks make you a bit uneasy, then you can check the vehicle handbook that comes with every vehicle for advice, or even ask someone with a bit more knowledge for assistance. It is crucial that in one way or another, you are carrying out regular maintenance.
Car-Lotta reminds you to stay on top of routine maintenance!  

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Where Is Your Automobile??

Mon, 24 Feb 2020 13:00:00 +0000
Winter  won't be  lightening up any time soon, many of us try to get a step ahead of Old Man Winter and warm up our cars before heading out for the day. When cold weather approaches, many leave their cars running unattended in an effort to warm up them before facing the cold.

                                  YOU MAY WANT TO RETHINK THIS PLAN.

In Pennsylvania it is illegal to leave your vehicle  running while it is unattended.  The purpose of the law is so that vehicle owners do not become victims for thieves! When falling prey to the simple temptation of leaving your auto running and unattended, you  must remember that car thefts of this kind are easily preventable crimes.

If you are caught leaving your vehicle running and unattended in Pennsylvania, you are guilty of a summary offense and shall, upon conviction, be sentenced to pay a fine of $5 plus court costs.
Although summary offenses and tickets do not seem like a big deal in the long run, if your auto is stolen, there can be civil and sometimes even criminal liability for the reckless act of leaving a vehicle unattended while running.

Some Insurance providers will deny coverage for a vehicle stolen due to the lack of reasonable care taken by the owner of the vehicle. If an individual is injured or property damage occurs as a result of an unauthorized individual operating a vehicle simply because it was left running, may have a negligence claim against the owner of the vehicle (or the person who left it running unattended).

Before deciding to put those key in the ignition, turn on the defrosters and heat, and run back into the house to finish getting ready, 

Car-Lotta reminds you, it is  better to have a cold car than no car.

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Why Car-Lotta ?

Mon, 17 Feb 2020 13:00:00 +0000
Here are a few differences between CarLotta Credit and other  dealerships....

We know and assume that you have credit issues when you stop by, call or email us. We great you with a smile and a hearty handshake and appreciate your business. We understand that good people can and do have credit problems. At some dealerships, when you tell them you have credit issues, they may not be very happy about it or helpful.  

Nothing you tell us is going to surprise us, or embarrass you. For over 24 years we have helped people just like you. Anything you have to tell us, will be handled professionally and held in confidence. Selling and financing cars to people with credit issues is our only business, this is what we do.

* Most dealerships are trying to make as much money as possible on every customer they CarLotta Credit our #1 goal is to make sure the car is affordable to you and fits in your budget. We want you to be able to afford your payments and pay your loan. Its better for you, and us.

* We report your on time payments to the credit bureaus on a regular basis, this can improve your credit score over time. 

*  Most of our payments are set as weekly and are set up as an Auto Debit. This helps you judge your budget and stay current with your payments.

This is just a few of the things that make us different. Stop in, call, or email us and let us actually show you!

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Would You Ever Co Sign For A Car Loan?

Mon, 10 Feb 2020 13:00:00 +0000
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 possession of the vehicle.

* You will be asked to supply some credit information in order for a loan decision 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.

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Do You Have An Emergency Car Care Kit?

Mon, 03 Feb 2020 13:00:00 +0000
 You never want to be stranded along the road. A stocked emergency roadside kit may help you get back on the road quickly and safely.
Pre-assembled kits are available to purchase, but you may  want to assemble your own or customize a purchased kit.
Consider including the basics:


  • Cell phone and car charger, with a list of emergency numbers
  • Fire extinguisher
  • Two roadside flares
  • Quart of oil
  • Small first aid kit
  • Flashlight
  • Multipurpose tool or pocket knife
  • Tire pressure gauge
  • Tire inflator
  • Duct tape
  • Rags
  • Your car’s manual
  • Pen and paper
  • Help sign


If your car has more trunk space, or if you’re planning a long trip, add these to the mix:
  • Jumper cables or a portable battery booster
  • Gallon of antifreeze
  • Extra fuses
  • Extra flashlight batteries
  • Basic tools: Phillips and flat-head screwdrivers, pliers, adjustable wrench
  • Spray bottle with washer fluid
  • Ice scraper
  • Granola or energy bars
  • Bottled water
  • An approved gas container
  • A road atlas


Think about the weather, too. Will you need extra water or a warm blanket? If icy roads are likely, a bag of sand or cat litter could provide traction for a stuck tire. You might also be glad to have a folding camp shovel or warm gloves and hat.
Think about your passengers, too. If you have kids and they ride in your car often, think about having items in the emergency kit that will keep them occupied if you're stopped for awhile. Also consider additional blankets and snacks.
Check your kit occasionally to make sure it’s shipshape, the spare tire is inflated, batteries are charged, first-aid supplies are stocked, water is fresh and food is dry. Be familiar with how each tool works before you need to use it in an emergency. 
Car-Lotta reminds you that the most important tool you have is common sense; stopping to change a tire in the fast lane is an accident waiting to happen.

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What Should You Do If You Were Stranded In Bad Weather?

Mon, 27 Jan 2020 13:00:00 +0000
Getting stranded in your vehicle  is bad enough, but being stranded in severe winter weather could be dangerous. It is estimated that 46% of all crashes involving bad weather take place in the winter.

If conditions are hazardous, it’s always  best to stay off the roads, but there are times when  travel is unavoidable. In these cases, you need to be prepared for the dangers of being stranded in your vehicle.
If You Become Stranded in bad weather remember to.....

•Don't leave your car unless you know exactly where you are, how far it is to possible help, and are certain you will improve your situation.

•Light two flares and place one at each end of the car a safe distance away. Hang a brightly colored cloth from your antenna.

•Run the engine and heater for about 10 minutes every hour or so depending upon the amount of gas in the tank.

•Use the woolen items and blankets to keep warm and to protect yourself from frostbite and hypothermia .

•Keep at least one window open slightly so snow and ice don't seal your car shut.

•Eat a hard candy to keep your mouth moist.
Car-Lotta wants  you to be Safe!!!  

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Working On Your Credit Score This Year?

Mon, 20 Jan 2020 13:00:00 +0000
Did you  make a resolution this year to get your credit on track this year? Getting started can feel a bit daunting. It may sometimes seem as if credit agencies want to keep you in the dark about how scores are calculated. No worry ….- with some diligence on your part and a little insight into the world of credit score-keeping, you can get back on track in 2020.

Credit scores follow an algorithm first developed by the data analytics company FICO years ago. Credit scores weren't always  the primary force behind a credit decision but over time the impact of a credit score became more and more important. Most  loan programs available today have a minimum credit score.

There are five characteristics of your credit history that make up your three-digit score: your payment history, account balances, the length of your credit history, the types of credit used and how often you've applied for new credit. Credit scores will improve much more quickly by paying attention to the two categories that have the greatest impact on a score: payment history and account balances.

Payment history accounts for 35 percent of the total score. If  someone makes a payment more than 30 days past the due date, scores will fall. An occasional "late pay" won't do much damage to your score but continued payments made more than 30 days past due  will. Preventing late payments is a key to recovering your score.

Account balances compare outstanding loan balances with credit lines and make up 30 percent of your score. If a credit card has a $10,000 credit line and there is a $3,300 balance, scores will actually improve, as the ideal balance-to-limit is about one-third of the credit line. If  the balance grows and approaches or exceeds the limit, scores will begin to fall.

The remaining three have relatively little impact. How long someone has used credit accounts for 15 percent of the score, but there's really nothing anyone can do to improve this area other than to wait. Types of credit and credit inquiries both make up 10 percent of the score. Concentrating on payment history and account balances, scores will improve significantly over the next few months.

Car-Lotta Credit and Car Sales is NOT Credit Based when making loan decisions!  

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Do You Use Winter Wiper Blades?

Mon, 13 Jan 2020 18:06:00 +0000
 Winter Blades have a rubber sheath over all of the moving components inside of the wiper. These are springs built inside of it to actually hug the wiper blade tight to your windshield. You have probably already noticed in the wintertime, you're driving along and try and use your wiper blades, they won't touch all of the windshield itself. It'll actually leave streaks and portions of it that are un cleaned. This is from is from ice, debris, and snow, getting inside of the springs and keeping them from contacting your windshield. What the rubber sheath does is keep those formed particles from affecting the way the mechanics of the wiper blade has been designed to operate.

Is it a good idea if you do a lot of driving in the wintertime to go ahead and change out your wiper blades?
Car-Lotta wants you to  decide!

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Thinking Of Buying A Vehicle Online

Mon, 06 Jan 2020 13:00:00 +0000
You can buy just about anything online these days. And  that list now includes vehicles.
A vehicle is one of the largest purchases you’ll make in your lifetime. You may think buying a new car, truck or SUV sight unseen would be enough to scare away most buyers.
The market for online auto sales is growing.  And many car shoppers are finding they prefer it.
How can you buy a car online? And more importantly – should you? Here’s what you need to know about the world of internet car shopping.


The internet has changed the way people research and buy cars. Today, most traditional auto dealers also display their vehicle inventories online. This allows you to search for the perfect car across the U.S.
If you’re looking to complete your entire purchase online, there are several options. Some popular online car sales sites include:


Here are some reasons some shoppers opt to skip the dealership and head to the computer:
  • Selection: Unlike your neighborhood car dealership, buying a car online allows you to choose from a large national inventory containing thousands of new and used vehicles.
  • Price:  Recent studies found that people who bought a vehicle online saved an average of $185 or 0.8%, depending on the model. But keep in mind that you often can’t negotiate online car prices the way you can with a salesperson.
  • Transparency: When you buy online, you get the details of your car’s pricing and fees upfront.
  • Convenience: Buying a car online means you can shop 24 hours a day to find the right make, model and year for you. Because you’re making the purchase from the comfort of your home, you won’t spend half your Saturday signing paperwork at the dealership. And your car can be delivered right to your door.
  • Return policy: Since you won’t have a chance to test drive your new car, many online auto sellers offer a return policy. It usually ranges from 5 to 7 days after your purchase.


For all the benefits of online car buying, there are some downsides, too:
  • Test drives:  For many  not getting a feel for how your new car rides and handles before the purchase can be a deal breaker. You can always test out a similar vehicle closer to home, but you won’t get to experience the ride of your  own new car firsthand if you buy  online.
  • Inspections: Buying a car can be a big decision to make off online photos alone. You won’t get a chance to “kick the tires” before your  purchase. While most online sellers claim to thoroughly inspect their vehicles, it may be worth paying for a pre-purchase inspection  out of your own pocket. The peace of mind can be worth the cost, and  save you from any potential surprises.
  • Service perks and warranties: Your local dealer can give you access to perks like loaner vehicles or service discounts. And if you’re purchasing a used car, factory certified warranties can be more generous than what you’ll get from a third party.
  • Delivery cost: If you’re buying  from out of state, you’ll need to get it to your garage somehow. Whether you fly to pick up your car and drive it home, or have it delivered to your door, be sure to factor in any delivery expenses.
  • Personal service: For many,  a big purchase is more than just a transaction… it’s about building a relationship. When you buy from a local dealer, you have a go-to person you can trust to treat you right and be there for whatever’s next.

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