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Alabama is a state in the southeastern region of the United States. It is bordered by Tennessee to the north, Georgia to the east, Florida and the Gulf of Mexico to the south, and Mississippi to the west. Alabama is the 30th largest by area and the 24th-most populous of the U.S. states. With a total of 1,500 miles (2,400 km) of inland waterways, Alabama has among the most of any state.
Alabama is the thirtieth-largest state in the United States with 52,419 square miles (135,760 km) of total area: 3.2% of the area is water, making Alabama 23rd in the amount of surface water, also giving it the second-largest inland waterway system in the United States. About three-fifths of the land area is a gentle plain with a general descent towards the Mississippi River and the Gulf of Mexico. The North Alabama region is mostly mountainous, with the Tennessee River cutting a large valley and creating numerous creeks, streams, rivers, mountains, and lakes.
Alabama is bordered by the states of Tennessee to the north, Georgia to the east, Florida to the south, and Mississippi to the west. Alabama has coastline at the Gulf of Mexico, in the extreme southern edge of the state. The state ranges in elevation from sea level at Mobile Bay to over 1,800 feet (550 m) in the Appalachian Mountains in the northeast.
The highest point is Mount Cheaha, at a height of 2,413 ft (735 m). Alabama’s land consists of 22 million acres (89,000 km) of forest or 67% of total land area. Suburban Baldwin County, along the Gulf Coast, is the largest county in the state in both land area and water area.
Areas in Alabama administered by the National Park Service include Horseshoe Bend National Military Park near Alexander City; Little River Canyon National Preserve near Fort Payne; Russell Cave National Monument in Bridgeport; Tuskegee Airmen National Historic Site in Tuskegee; and Tuskegee Institute National Historic Site near Tuskegee.
Additionally, Alabama has four National Forests: Conecuh, Talladega, Tuskegee, and William B. Bankhead. Alabama also contains the Natchez Trace Parkway, the Selma To Montgomery National Historic Trail, and the Trail Of Tears National Historic Trail. A notable natural wonder in Alabama is “Natural Bridge” rock, the longest natural bridge east of the Rockies, located just south of Haleyville.
A 5-mile (8 km)-wide meteorite impact crater is located in Elmore County, just north of Montgomery. This is the Wetumpka crater, the site of “Alabama’s greatest natural disaster.” A 1,000-foot (300 m)-wide meteorite hit the area about 80 million years ago. The hills just east of downtown Wetumpka showcase the eroded remains of the impact crater that was blasted into the bedrock, with the area labeled the Wetumpka crater or astrobleme (“star-wound”) because of the concentric rings of fractures and zones of shattered rock that can be found beneath the surface. In 2002, Christian Koeberl with the Institute of Geochemistry University of Vienna published evidence and established the site as the 157th recognized impact crater on Earth.
The United States Census Bureau estimates that the population of Alabama was 4,858,979 on July 1, 2015, which represents an increase of 79,243, or 1.66%, since the 2010 Census. This includes a natural increase since the last census of 121,054 people (that is 502,457 births minus 381,403 deaths) and an increase due to net migration of 104,991 people into the state.
Immigration from outside the U.S. resulted in a net increase of 31,180 people, and migration within the country produced a net gain of 73,811 people. The state had 108,000 foreign-born (2.4% of the state population), of which an estimated 22.2% were undocumented (24,000).
The center of population of Alabama is located in Chilton County, outside the town of Jemison.
According to the 2010 Census, Alabama had a population of 4,779,736. The racial composition of the state was 68.5% White (67.0% Non-Hispanic White and 1.5% Hispanic White), 26.2% Black or African American, 3.9% Hispanic or Latino of any race, 1.1% Asian, 0.6% American Indian and Alaska Native, 0.1% Native Hawaiian and Other Pacific Islander, 2.0% from Some Other Race, and 1.5% from Two or More Races. In 2011, 46.6% of Alabama’s population younger than age 1 were minorities.
The largest reported ancestry groups in Alabama are: African (26.2%), English (23.6%), Irish (7.7%), German (5.7%), and Scots-Irish (2.0%). Those citing “American” ancestry in Alabama are generally of English or British ancestry; many Anglo-Americans identify as having American ancestry because their roots have been in North America for so long, in some cases since the 1600s. Demographers estimate that a minimum of 20–23% of people in Alabama are of predominantly English ancestry and that the figure is likely higher. In the 1980 census, 41% of the people in Alabama identified as being of English ancestry, making them the largest ethnic group at the time.
Based on historic migration and settlement patterns in the southern colonies and states, demographers estimated there are more people in Alabama of Scots-Irish origins than self-reported. Many people in Alabama claim Irish ancestry because of the term Scots-Irish but, based on historic immigration and settlement, their ancestors were more likely Protestant Scots-Irish coming from northern Ireland, where they had been for a few generations as part of the English colonization. The Scots-Irish were the largest non-English immigrant group from the British Isles before the American Revolution, and many settled in the South, later moving into the Deep South as it was developed.
In 1984, under the Davis–Strong Act, the state legislature established the Alabama Indian Affairs Commission. Native American groups within the state had increasingly been demanding recognition as ethnic groups and seeking an end to discrimination. Given the long history of slavery and associated racial segregation, the Native American peoples, who have sometimes been of mixed race, have insisted on having their cultural identification respected. In the past, their self-identification was often overlooked as the state tried to impose a binary breakdown of society into white and black.
The state has officially recognized nine American Indian tribes in the state, descended mostly from the Five Civilized Tribes of the American Southeast. These are:
The state government has promoted recognition of Native American contributions to the state, including the designation in 2000 for Columbus Day to be jointly celebrated as American Indian Heritage Day.
95.1% of all Alabama residents five years old or older spoke only English at home in 2010, a minor decrease from 96.1% in 2000. Alabama English is predominantly Southern, and is related to South Midland speech which was taken across the border from Tennessee. In the major Southern speech region, there is the decreasing loss of the final /r/, for example the /boyd/ pronunciation of ‘bird’. In the northern third of the state, there is a South Midland ‘arm’ and ‘barb’ rhyming with ‘form’ and ‘orb’. Unique words in Alabama English include: redworm (earthworm), peckerwood (woodpecker), snake doctor and snake feeder (dragonfly), tow sack (burlap bag), plum peach (clingstone), French harp (harmonica), and dog irons (andirons).
In the 2008 American Religious Identification Survey, 86% of Alabama respondents reported their religion as Christian, including 6% Catholic, with 11% as having no religion. The composition of other traditions is 0.5% Mormon, 0.5% Jewish, 0.5% Muslim, 0.5% Buddhist, and 0.5% Hindu.
Alabama is located in the middle of the Bible Belt, a region of numerous Protestant Christians. Alabama has been identified as one of the most religious states in the United States, with about 58% of the population attending church regularly. A majority of people in the state identify as Evangelical Protestant. As of 2010, the three largest denominational groups in Alabama are the Southern Baptist Convention, The United Methodist Church, and non-denominational Evangelical Protestant.
In Alabama, the Southern Baptist Convention has the highest number of adherents with 1,380,121; this is followed by the United Methodist Church with 327,734 adherents, non-denominational Evangelical Protestant with 220,938 adherents, and the Catholic Church with 150,647 adherents. Many Baptist and Methodist congregations became established in the Great Awakening of the early 19th century, when preachers proselytized across the South. The Assemblies of God had almost 60,000 members, the Churches of Christ had nearly 120,000 members. The Presbyterian churches, strongly associated with Scots-Irish immigrants of the 18th century and their descendants, had a combined membership around 75,000 (PCA – 28,009 members in 108 congregations, PC(USA) – 26,247 members in 147 congregations, the Cumberland Presbyterian Church – 6,000 members in 59 congregations, the Cumberland Presbyterian Church in America – 5,000 members and 50 congregations plus the EPC and Associate Reformed Presbyterians with 230 members and 9 congregations).
In a 2007 survey, nearly 70% of respondents could name all four of the Christian Gospels. Of those who indicated a religious preference, 59% said they possessed a “full understanding” of their faith and needed no further learning. In a 2007 poll, 92% of Alabamians reported having at least some confidence in churches in the state.
Although in much smaller numbers, many other religious faiths are represented in the state as well, including Judaism, Islam, Hinduism, Buddhism, Sikhism, the Bahá’í Faith, and Unitarian Universalism.
Jews have been present in what is now Alabama since 1763, during the colonial era of Mobile, when Sephardic Jews immigrated from London. The oldest Jewish congregation in the state is Congregation Sha’arai Shomayim in Mobile. It was formally recognized by the state legislature on January 25, 1844. Later immigrants in the nineteenth and twentieth centuries tended to be Ashkenazi Jews from eastern Europe. Jewish denominations in the state include two Orthodox, four Conservative, ten Reform, and one Humanistic synagogue.
Muslims have been increasing in Alabama, with 31 mosques built by 2011, many by African-American converts.
Several Hindu temples and cultural centers in the state have been founded by Indian immigrants and their descendants, the best-known being the Shri Swaminarayan Mandir in Birmingham, the Hindu Temple and Cultural Center of Birmingham in Pelham, the Hindu Cultural Center of North Alabama in Capshaw, and the Hindu Mandir and Cultural Center in Tuscaloosa.
There are six Dharma centers and organizations for Theravada Buddhists. Most monastic Buddhist temples are concentrated in southern Mobile County, near Bayou La Batre. This area has attracted an influx of refugees from Cambodia, Laos, and Vietnam during the 1970s and thereafter. The four temples within a ten-mile radius of Bayou La Batre, include Chua Chanh Giac, Wat Buddharaksa, and Wat Lao Phoutthavihan.
The first community of adherents of the Bahá’í Faith in Alabama was founded in 1896 by Paul K. Dealy, who moved from Chicago to Fairhope. Bahá’í centers in Alabama exist in Birmingham, Huntsville, and Florence.
A Centers for Disease Control and Prevention study in 2008 showed that obesity in Alabama was a problem, with most counties having over 29% of adults obese, except for ten which had a rate between 26% and 29%. Residents of the state, along with those in five other states, were least likely in the nation to be physically active during leisure time. Alabama, and the southeastern U.S. in general, has one of the highest incidences of adult onset diabetes in the country, exceeding 10% of adults.
Alabama neighborhoods include: Abbeville, Adamsville, Addison, Adger, Alabaster, Albertville, Alexander City, Alexandria, Aliceville, Alpine, Altoona, Andalusia, Anderson, Anniston, Arab, Ardmore, Ariton, Arley, Arlington, Ashford, Athens, Atmore, Attalla, Auburn, Auburn University, Autaugaville, Axis, Baileyton, Banks, Bankston, Bay Minette, Bayou La Batre, Bear Creek, Beatrice, Beaverton, Berry, Bessemer, Billingsley, Birmingham, Black, Blountsville, Boaz, Bon Secour, Booth, Brantley, Bremen, Brewton, Bridgeport, Brierfield, Brighton, Brilliant, Brookside, Brookwood, Brownsboro, Brundidge, Bryant, Buhl, Burnt Corn, Cahaba Heights, Cahaba Hts, Calera, Camden, Camp Hill, Carbon Hill, Cardiff, Carrollton, Castleberry, Catherine, Cecil, Cedar Bluff, Center Point, Centre, Chancellor, Chatom, Chelsea, Chickasaw, Childersburg, Chunchula, Citronelle, Clanton, Clayton, Cleveland, Clio, Clopton, Coalburg, Coaling, Coden, Coffee Springs, Coker, Collinsville, Columbia, Columbiana, Coosada, Cottondale, Cottonwood, Courtland, Cowarts, Cragford, Crane Hill, Creola, Cropwell, Crossville, Cullman, Cusseta, Dadeville, Daleville, Danville, Daphne, Dauphin Island, Daviston, Deatsville, Decatur, Deer Park, Demopolis, Detroit, Dixiana, Dixons Mills, Docena, Dolomite, Dora, Dothan, Double Springs, Dozier, Duncanville, Dutton, Eastaboga, Echola, Eclectic, Eight Mile, Elba, Elberta, Eldridge, Elkmont, Elmore, Elrod, Empire, Ensley, Enterprise, Equality, Estillfork, Ethelsville, Eufaula, Eva, Fackler, Fairfield, Fairhope, Falkville, Faunsdale, Fayette, Fitzpatrick, Five Points, Flat Rock, Flomaton, Florala, Florence, Foley, Forestdale, Fort Deposit, Fort Mitchell, Fort Payne, Fort Rucker, Fosters, Franklin, Frankville, Frisco City, Fruitdale, Fultondale, Gadsden, Gallant, Gallion, Gantt, Gardendale, Gaylesville, Geneva, Glenwood, Goodwater, Gordo, Gordon, Goshen, Grady, Graham, Grand Bay, Grant, Graysville, Groveoak, Guin, Gulf Shores, Guntersville, Gurley, Hackleburg, Haleyville, Hamilton, Hampton Cove, Hanceville, Hardaway, Harpersville, Hartford, Hartselle, Harvest, Hatchechubbee, Hayden, Hayneville, Hazel Green, Headland, Heflin, Helena, Henagar, Higdon, Hillsboro, Hodges, Holly Pond, Hollytree, Hollywood, Homewood, Hoover, Hope Hull, Horton, Houston, Hueytown, Huntsville, Hurtsboro, Indian Springs, Indian Springs Village, Irondale, Irvington, Jack, Jackson, Jacksons Gap, Jacksonville, Jasper, Jones, Joppa, Kellyton, Kennedy, Killen, Kimberly, Kinsey, Kinston, Knoxville, Laceys Spring, Lake View, Langston, Lapine, Leeds, Leesburg, Leighton, Leroy, Lester, Letohatchee, Lexington, Lillian, Lincoln, Linden, Lineville, Little River, Locust Fork, Logan, Louisville, Lowndesboro, Loxley, Luverne, Lynn, Madison, Magnolia, Magnolia Springs, Malvern, Maplesville, Marbury, Marion, Marion Junction, Mathews, Maylene, Mc Calla, Mc Intosh, Mc Kenzie, Mentone, Meridianville, Midfield, Midland City, Midway, Millbrook, Millport, Millry, Minter, Mobile, Monroeville, Montevallo, Montgomery, Morris, Moulton, Moundville, Mountain Brk, Mount Hope, Mount Olive, Mount Vernon, Mulga, Munford, Nauvoo, New Brockton, New Hope, New Market, Newton, Newville, Northport, Notasulga, Oakman, Ohatchee, Oneonta, Opelika, Opp, Orange Beach, Orrville, Owens Cross Roads, Oxford, Ozark, Paint Rock, Palmerdale, Pansey, Pelham, Pell City, Perdido, Perdido Beach, Peterman, Phenix City, Phil Campbell, Pickensville, Piedmont, Pike Road, Pine Hill, Pinson, Pisgah, Pittsview, Plantersville, Pleasant Grove, Prattville, Prichard, Princeton, Quinton, Ragland, Rainbow City, Ralph, Ramer, Ranburne, Range, Red Bay, Red Level, Reform, Rehobeth, Remlap, Repton, Roanoke, Robertsdale, Rogersville, Russellville, Safford, Saint Stephens, Salem, Samson, Saraland, Sardis, Satsuma, Sayre, Scottsboro, Seale, Section, Selma, Seminole, Semmes, Shelby, Shoal Creek, Shorter, Shorterville, Silverhill, Skipperville, Slocomb, Smiths Station, Somerville, Spanish Fort, Springville, Spruce Pine, Stanton, Stapleton, Sterrett, Stevenson, Stockton, Sulligent, Sumiton, Summerdale, Sweet Water, Sylacauga, Sylvan Springs, Talladega, Tallassee, Tanner, Taylor, Theodore, Thomaston, Thomasville, Tibbie, Titus, Toney, Town Creek, Trafford, Triana, Trinity, Troy, Trussville, Tuscaloosa, Tuscumbia, Tuskegee, Tuskegee Institute, Tyler, Union Grove, Union Springs, Uniontown, Uriah, Valhermoso Springs, Valley, Valley Grande, Valley Head, Vance, Vandiver, Verbena, Vernon, Vestavia, Vestavia Hills, Vestavia Hls, Vina, Vincent, Vinegar Bend, Vinemont, Vredenburgh, Wadley, Wagarville, Warrior, Waterloo, Watson, Waverly, Weaver, Webb, Wedowee, Wellington, West Blocton, Westover, Wetumpka, Whistler, Wilmer, Wilsonville, Winfield, Wing, Woodland, Woodstock, Woodville
For more information, see Alabama wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loans bad credit pre-approval before going to a dealership. By separating the best bad credit auto loans from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get an auto loan pre-approval so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
No matter what your credit situation is, AllCreditCarLoans will help you to find an easy car loan that is suited to your needs and budget.
We specialize in:
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With the state of our world's economy, making monthly payments is getting harder and harder, especially in Alabama. United States job loss totals are higher than they have been in over thirty years. Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.
With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.
The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.
Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.
Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in Alabama. What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.
I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.
Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!
There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.
You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.
Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.
If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.
Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.
Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.