Car-Lotta Credit approves most applicants quickly—as long as they bring the right documents. Serving all of NEPA from our Blakely and Kingston locations, we streamline the in‑house financing process so you can get approved and on the road the same day.

What to Bring When Buying a Car at Car-Lotta Credit

Being prepared makes the entire experience smoother. Here’s a simple, practical checklist you can follow:

1. Valid Driver’s License

This confirms your identity and ability to legally drive. Make sure it’s not expired.

2. Proof of Income

You can bring any of the following:

• Recent pay stubs (last 2–4)
• Bank statements showing direct deposits
• Disability or Social Security income statements
• Pension or retirement income documents

Clear proof of income helps our team determine the best payment plan for your budget.

3. Proof of Residence

Bring something that shows your current address, such as:

• Utility bill
• Lease agreement
• Official mail dated within 30–60 days

4. Down Payment

Your down payment amount depends on the vehicle and program you qualify for, but bringing funds (or knowing the exact amount available) helps speed up approval. We’ll walk you through every option once you arrive.

5. References

Most buyers need to provide a few personal references with names, phone numbers, and addresses. These should be people who know you well but do not live with you.

6. Insurance Information (If Applicable)

If you already have auto insurance, bring your policy or agent’s contact info so we can help you update your coverage. If not, we can guide you on next steps.

Why This Checklist Matters

The more complete your documents are, the faster our team at Car-Lotta Credit can approve your application. Many NEPA shoppers—even those with credit challenges—receive same-day approval because they arrive prepared.

Following this checklist helps us verify your information quickly, match you with the right vehicle, and finalize in-house financing without delays.

Common Questions

What if I don’t have traditional pay stubs?
No problem. Bank statements, benefit statements, or other proof of income are usually acceptable.

What if I recently moved?
Bring any recent document showing your new address. Even an updated driver’s license or current lease works.

Do I need perfect credit?
Absolutely not. Car-Lotta Credit specializes in helping buyers with challenged, limited, or no credit—it’s what we do every day.

Want to Speed Up the Process Even More?

Start your application before you visit our Blakely or Kingston locations. Our secure online form allows you to submit information from home, so your visit is faster and simpler.

Apply Online to get started.

We’re Here to Help

If you have questions about documents, down payments, or the approval process, our team is always happy to help. You can reach out anytime through our Contact Us page. Ready to start your journey? Apply online or give us a call—we’re here to help you get into a reliable vehicle with confidence.