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Hodges is a town in Franklin County, Alabama, United States. At the 2010 census the population was 288. Hodges was laid out in 1902. It was incorporated in 1913.
Hodges is located in southern Franklin County at 34°19′49″N 87°55′39″W / 34.33028°N 87.92750°W / 34.33028; -87.92750 (34.330242, -87.927394). The southern border of the town follows the Marion County line. Alabama State Route 172 passes through the town, leading northwest 9 miles (14 km) to Vina and southeast 7 miles (11 km) to Hackleburg. Alabama State Route 187 leads northeast from the center of Hodges 13 miles (21 km) to Belgreen.
According to the U.S. Census Bureau, the town has a total area of 4.1 square miles (10.7 km), of which 0.01 square miles (0.02 km), or 0.15%, is water. The town sits on the Tennessee Valley Divide, with the east side draining to Bear Creek, a north-flowing tributary of the Tennessee River, and the west side draining via Skirum Branch to Bull Mountain Creek, a west-flowing tributary of the Tombigbee River. 2 miles (3 km) north of Hodges is Rock Bridge Canyon Park, on bluffs overlooking Bear Creek.
As of the census of 2000, there were 261 people, 98 households, and 78 families residing in the town. The population density was 84.2 people per square mile (32.5/km²). There were 118 housing units at an average density of 38.1 per square mile (14.7/km²). The racial makeup of the town was 100.00% White.
There were 98 households out of which 32.7% had children under the age of 18 living with them, 62.2% were married couples living together, 14.3% had a female householder with no husband present, and 19.4% were non-families. 19.4% of all households were made up of individuals and 11.2% had someone living alone who was 65 years of age or older. The average household size was 2.66 and the average family size was 3.05.
In the town, the population was spread out with 23.0% under the age of 18, 10.0% from 18 to 24, 26.1% from 25 to 44, 23.8% from 45 to 64, and 17.2% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 97.7 males. For every 100 females age 18 and over, there were 97.1 males.
The median income for a household in the town was $33,750, and the median income for a family was $38,333. Males had a median income of $35,625 versus $17,500 for females. The per capita income for the town was $25,239. About 14.0% of families and 13.4% of the population were below the poverty line, including 12.3% of those under the age of eighteen and 18.2% of those sixty five or over.
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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.
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The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in Hodges Alabama. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.
If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.
Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?
Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in Hodges Alabama about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.