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Arizona (/ˌærɪˈzoʊnə/ (listen); Navajo: Hoozdo Hahoodzo Navajo pronunciation: [xòːztò xɑ̀xòːtsò]; O’odham: Alĭ ṣonak Uto-Aztecan pronunciation: [ˡaɺi ˡʂonak]) is a U.S. state in the southwestern region of the United States. It is also part of the Western and the Mountain states. It is the sixth largest and the 14th most populous of the 50 states. Its capital and largest city is Phoenix. Arizona, one of the Four Corners states, is bordered by New Mexico to the east, Utah to the north, Nevada and California to the west, and Mexico to the south, as well as the southwestern corner of Colorado. Arizona’s border with Mexico is 389 miles (626 km) long, on the northern border of the Mexican states of Sonora and Baja California.
The United States Census Bureau estimates that the population of Arizona was 7,016,270 on July 1, 2017, a 9.8% increase since the 2010 United States Census.
Arizona remained sparsely settled for most of the 19th century. The 1860 census reported the population of “Arizona County” to be 6,482, of whom 4,040 were listed as “Indians”, 21 as “free colored”, and 2,421 as “white”. Arizona’s continued population growth puts an enormous stress on the state’s water supply. As of 2011, 61.3% of Arizona’s children under the age of 1 belonged to minority groups.
The population of metropolitan Phoenix increased by 45.3% from 1991 through 2001, helping to make Arizona the second fastest-growing state in the U.S. in the 1990s (the fastest was Nevada). As of July 2017, the population of the Phoenix area is estimated to be over 4.7 million.
According to the 2010 United States Census, Arizona had a population of 6,392,017. In 2010, illegal immigrants constituted an estimated 7.9% of the population. This was the second highest percentage of any state in the U.S.
Metropolitan Phoenix (4.7 million) and Tucson (1 million) are home to about five-sixths of Arizona’s people (as of the 2010 census). Metro Phoenix alone accounts for two-thirds of the state’s population.
In 1980, the Census Bureau reported Arizona’s population as 16.2% Hispanic, 5.6% Native American, and 74.5% non-Hispanic white. In 2010, the racial makeup of the state was:
Hispanics or Latinos of any race made up 29.6% of the state’s population. Non-Hispanic whites formed 57.8% of the total population.
Arizona’s five largest ancestry groups, as of 2009, were:
As of 2010, 72.90% (4,215,749) of Arizona residents age 5 and older spoke English at home as a primary language, while 20.80% (1,202,638) spoke Spanish, 1.48% (85,602) Navajo, 0.39% (22,592) German, 0.39% (22,426) Chinese (which includes Mandarin), 0.33% (19,015) Tagalog, 0.30% (17,603) Vietnamese, 0.27% (15,707) Other North American Indigenous Languages (especially indigenous languages of Arizona), and French was spoken as a main language by 0.26% (15,062) of the population over the age of five. In total, 27.10% (1,567,548) of Arizona’s population age 5 and older spoke a mother language other than English.
Arizona is home to the largest number of speakers of Native American languages in the 48 contiguous states, as over 85,000 individuals reported speaking Navajo, and 10,403 people reported Apache, as a language spoken at home in 2005. Arizona’s Apache County has the highest concentration of speakers of Native American Indian languages in the United States.
Phoenix, located in Maricopa County, is the capital and the largest city in Arizona. Other prominent cities in the Phoenix metro area include Mesa (the third largest city in Arizona), Chandler (the fourth largest city in Arizona), Glendale, Peoria, Buckeye, Sun City, Sun City West, Fountain Hills, Surprise, Gilbert, El Mirage, Avondale, Tempe, Tolleson and Scottsdale, with a total metropolitan population of just over 4.3 million. The average high temperature in July, 106 °F (41 °C), is one of the highest of any metropolitan area in the United States, offset by an average January high temperature of 67 °F (19 °C), the basis of its winter appeal.
Tucson, with a metro population of just over one million, is the state’s second-largest city. It is located in Pima County, approximately 110 miles (180 km) southeast of Phoenix. Tucson was incorporated in 1877, making it the oldest incorporated city in Arizona. It is home to the University of Arizona. Major incorporated suburbs of Tucson include Oro Valley and Marana northwest of the city, Sahuarita south of the city, and South Tucson in an enclave south of downtown. It has an average July temperature of 100 °F (38 °C) and winter temperatures averaging 65 °F (18 °C). Saguaro National Park, just west of the city in the Tucson Mountains, is the locale of the largest collection of Saguaro cacti in the world.
The Prescott metropolitan area includes the cities of Prescott, Cottonwood, Camp Verde and numerous other towns spread out over the 8,123 square miles (21,000 km) of Yavapai County area. With 212,635 residents, this cluster of towns forms the third largest metropolitan area in the state. The city of Prescott (population 41,528) lies approximately 100 miles (160 km) northwest of the Phoenix metropolitan area. Situated in pine tree forests at an elevation of about 5,500 feet (1,700 m), Prescott enjoys a much cooler climate than Phoenix, with average summer highs around 88 °F (31 °C) and winter temperatures averaging 50 °F (10 °C).
Yuma is center of the fourth-largest metropolitan area in Arizona. Located in Yuma County, it is near the borders of California and Mexico. It is one of the hottest cities in the United States, with an average July high of 107 °F (42 °C). (The same month’s average in Death Valley is 115 °F (46 °C).) The city features sunny days about 90% of the year. The Yuma Metropolitan Statistical Area has a population of 160,000. Yuma attracts many winter visitors from all over the United States.
Flagstaff, in Coconino County, is the largest city in northern Arizona, and is at an elevation of nearly 7,000 feet (2,100 m). With its large Ponderosa pine forests, snowy winter weather and picturesque mountains, it is a stark contrast to the desert regions typically associated with Arizona. It is sited at the base of the San Francisco Peaks, the highest mountain range in the state of Arizona, which contain Humphreys Peak, the highest point in Arizona at 12,633 feet (3,851 m). Flagstaff has a strong tourism sector, due to its proximity to numerous tourist attractions including: Grand Canyon National Park, Sedona, and Oak Creek Canyon. Historic U.S. Route 66 is the main east-west street in the town. The Flagstaff metropolitan area is home to 134,421 residents and the main campus of Northern Arizona University.
Lake Havasu City, in Mohave County, known as “Arizona’s playground,” was developed on the Colorado River and is named after Lake Havasu. Lake Havasu City has a population of about 53,000 people. It is famous for huge spring break parties, sunsets and the London Bridge, relocated from London, England. Lake Havasu City was founded by real estate developer Robert P. McCulloch in 1963. It has two colleges, Mohave Community College and ASU Colleges in Lake Havasu City.
As of the year 2010, the Association of Religion Data Archives reported that the three largest denominational groups in Arizona were the Catholic Church, The Church of Jesus Christ of Latter-Day Saints and non-denominational Evangelical Protestants. The Catholic Church has the highest number of adherents in Arizona (at 930,001), followed by The Church of Jesus Christ of Latter-day Saints with 410,263 members reported and then non-denominational Evangelical Protestants, reporting 281,105 adherents. The religious body with the largest number of congregations is The Church of Jesus Christ of Latter-day Saints (with 836 congregations) followed by the Southern Baptist Convention (with 323 congregations).
According to the Association of Religion Data Archives, the fifteen largest denominations by number of adherents in 2010 and 2000 were:
Regarding non-Christian denominations, Hinduism became the largest non-Christian religion (when combining all denominations) in 2010, with over 32,000 adherents in several denominations, followed by Judaism with over 20,000 in three denominations, and Buddhism with over 19,000 adherents in several denominations.
Arizona neighborhoods include: Ajo, Alpine, Amado, Anthem, Apache Junction, Arivaca, Arizona City, Arlington, Ash Fork, Avondale, Bagdad, Benson, Bisbee, Black Canyon City, Buckeye, Bullhead City, Camp Verde, Carefree, Casa Grande, Cave Creek, Chambers, Chandler, Chino Valley, Cibola, Clarkdale, Cochise, Colorado City, Concho, Congress, Coolidge, Cornville, Corona, Corona De Tucson, Cottonwood, Crown King, Dateland, Desert Hills, Dewey, Dolan Springs, Douglas, Dragoon, Dudleyville, Eagar, Eden, Elfrida, Elgin, El Mirage, Eloy, Flagstaff, Florence, Fort McDowell, Fort Mohave, Fountain Hills, Fredonia, Ganado, Gila Bend, Gilbert, Glendale, Glendale Luke Afb, Gold Canyon, Golden Valley, Goodyear, Green Valley, Guadalupe, Hackberry, Heber, Hereford, Higley, Holbrook, Huachuca City, Kearny, Kingman, Kirkland, Lake Havasu City, Lakeside, Laveen, Litchfield Park, Littlefield, Madera Canyon, Mammoth, Marana, Marble Canyon, Maricopa, Mayer, Mc Neal, Meadview, Mesa, Miami, Mohave Valley, Mormon Lake, Morristown, Mount Lemmon, New River, Nogales, North Rim, Oracle, Oro Valley, Page, Palo Verde, Paradise Valley, Parker, Patagonia, Paulden, Peach Springs, Pearce, Peeples Valley, Peoria, Phoenix, Picacho, Pima, Pinetop, Pirtleville, Portal, Prescott, Prescott Valley, Queen Creek, Queen Valley, Red Rock, Rimrock, Rio Rico, Rio Verde, Roll, Sacaton, Saddlebrooke, Safford, Sahuarita, Saint David, Saint Johns, Salome, San Manuel, San Simon, San Tan Valley, Scottsdale, Sedona, Seligman, Sells, Show Low, Sierra Vista, Snowflake, Somerton, Sonoita, Springerville, Stanfield, Sun City, Sun City West, Sun Lakes, Sunsites, Superior, Surprise, Tempe, Thatcher, Tolleson, Toltec, Tombstone, Tonopah, Topock, Tubac, Tucson, Tumacacori, Vail, Valentine, Valley Farms, Waddell, Wellton, White Hills, Wickenburg, Willcox, Williams, Willow Beach, Winkelman, Winslow, Wittmann, Yarnell, Youngtown, Yuma
For more information, see Arizona wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options 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 no down payment auto loans, don't worry. We can still help you.
Finally, use our car loan 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 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 a pre-approved car loan 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 affordable 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 buy directly from a private party, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private sale.
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:
We've provided car loans for first-time buyers, car financing for college students and we are proud to have arranged military auto financing for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN number.
We also specialize in sub-prime auto financing including financing a car after bankruptcy and helping borrowers to obtain a car loan after repossession.
If you are looking for a car title loan or the best place to refinance your car, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here dealerships, bad credit auto dealers, second chance auto dealers and other car loan lenders to provide the best auto rates.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!
Are you in need of a new car, but are afraid it's impossible because of your bad credit? Well, the fact is that today, consumers with bad credit have a wide variety of options available to them in regards to bad credit auto loans, especially in Arizona. In fact, it can be very easy to get the money you need, but it is important for you to do your research before getting a loan.
If you have bad credit, the first thing that I would recommend is to find out more about your own financial situation. What is your exact credit score (FICO) with the three credit agencies (Experian, TransUnion, and Equifax)? You can find this information by visiting a free credit report service website where you can place an order for a free yearly credit report. The credit report has everything but the credit score. You have to pay extra to get the scores, but it is worth it. It is valuable information to have on hand in your search for the best auto loan deal. With this information, you can do quite a few things to help yourself.
The first thing you need to do when you examine your credit report is to look for errors. Correcting errors can help bring up your credit score some. Another way to increase credit score is to have a friend, or relative, with good credit add you as an authorized user to their credit cards. This connects their good credit history to yours. If you simply don't know what to do, there are credit repair companies that can help clean up your credit report. I have used a credit repair company in the past and was very pleased with the results.
When it is all said and done, a person with poor credit does have many options available. It is just a matter of doing the research and keeping an eye out for the best deal available. Your dream car is within reach, and having bad credit shouldn't hold you back.
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 Arizona. 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.