The Best Arkansas Car Loans – AR

Arkansas (/ˈɑːrkənsɔː/ AR-kən-saw) is a state in the southern region of the United States, home to over 3 million people as of 2017. Its name is of Siouan derivation from the language of the Osage denoting their related kin, the Quapaw Indians. The state’s diverse geography ranges from the mountainous regions of the Ozark and the Ouachita Mountains, which make up the U.S. Interior Highlands, to the densely forested land in the south known as the Arkansas Timberlands, to the eastern lowlands along the Mississippi River and the Arkansas Delta.

Demographics

The United States Census Bureau estimates that the population of Arkansas was 2,978,204 on July 1, 2015, a 2.14% increase since the 2010 United States Census.

As of 2015, Arkansas has an estimated population of 2,978,204. From fewer than 15,000 in 1820, Arkansas’s population grew to 52,240 during a special census in 1835, far exceeding the 40,000 required to apply for statehood. Following statehood in 1836, the population doubled each decade until the 1870 Census conducted following the Civil War. The state recorded growth in each successive decade, although it gradually slowed in the 20th century.

It recorded population losses in the 1950 and 1960 Censuses. This outmigration was a result of multiple factors, including farm mechanization, decreasing labor demand, and young educated people leaving the state due to a lack of non-farming industry in the state. Arkansas again began to grow, recording positive growth rates ever since and exceeding the 2 million mark during the 1980 Census. Arkansas’s rate of change, age distributions, and gender distributions mirror national averages. Minority group data also approximates national averages. There are fewer people in Arkansas of Hispanic or Latino origin than the national average. The center of population of Arkansas for 2000 was located in Perry County, near Nogal.

In terms of race and ethnicity, the state was 80.1% white (74.2% non-Hispanic white), 15.6% black or African American, 0.9% American Indian and Alaska Native, 1.3% Asian, and 1.8% from two or more races. Hispanics or Latinos of any race made up 6.6% of the population.

As of 2011, 39.0% of Arkansas’s population younger than age 1 were minorities.

European Americans have a strong presence in the northwestern Ozarks and the central part of the state. African Americans live mainly in the southern and eastern parts of the state. Arkansans of Irish, English and German ancestry are mostly found in the far northwestern Ozarks near the Missouri border. Ancestors of the Irish in the Ozarks were chiefly Scots-Irish, Protestants from Northern Ireland, the Scottish lowlands and northern England part of the largest group of immigrants from Great Britain and Ireland before the American Revolution. English and Scots-Irish immigrants settled throughout the backcountry of the South and in the more mountainous areas. Americans of English stock are found throughout the state.

A 2010 survey of the principal ancestries of Arkansas’s residents revealed the following:

Most of the people identifying as American are of English descent and/or Scots-Irish descent. Their families have been in the state so long, in many cases since before statehood, that they choose to identify simply as having American ancestry or do not in fact know their own ancestry. Their ancestry primarily goes back to the original 13 colonies and for this reason many of them today simply claim American ancestry. Many people who identify themselves as Irish descent are in fact of Scots-Irish descent.

According to the 2006–2008 American Community Survey, 93.8% of Arkansas’s population (over the age of five) spoke only English at home. About 4.5% of the state’s population spoke Spanish at home. About 0.7% of the state’s population spoke any other Indo-European languages. About 0.8% of the state’s population spoke an Asian language, and 0.2% spoke other languages.

Arkansas, like most other Southern states, is part of the Bible Belt and is predominantly Protestant. The largest denominations by number of adherents in 2010 were the Southern Baptist Convention with 661,382; the United Methodist Church with 158,574; non-denominational Evangelical Protestants with 129,638; the Catholic Church with 122,662; and The Church of Jesus Christ of Latter-day Saints with 31,254. There are some residents of the state who live by other religions such as Islam, Judaism, Wicca, Paganism, Hinduism, Buddhism or who claim no religious affiliation.

Neighborhoods

Arkansas neighborhoods include: Adona, Alco, Alexander, Alicia, Alma, Almyra, Alpena, Altus, Amagon, Amity, Antoine, Arkadelphia, Arkansas City, Armorel, Ashdown, Ash Flat, Atkins, Austin, Bald Knob, Barling, Bassett, Batesville, Bauxite, Bay, Beebe, Bee Branch, Beedeville, Bella Vista, Benton, Bentonville, Berryville, Bethel Heights, Bigelow, Biggers, Bismarck, Black Oak, Black Rock, Blue Mountain, Bluff City, Blytheville, Bonnerdale, Bono, Booneville, Bradford, Bradley, Branch, Brockwell, Brookland, Bryant, Burdette, Cabot, Caddo Gap, Caddo Valley, Cale, Calico Rock, Cammack Village, Canehill, Caraway, Carlisle, Casa, Cash, Casscoe, Cave City, Cave Springs, Cecil, Cedarville, Center Point, Center Ridge, Centerton, Charleston, Charlotte, Cherokee Village, Cherry Valley, Chester, Choctaw, Cleveland, Clinton, Colt, Compton, Concord, Conway, Cord, Corning, Cove, Crocketts Bluff, Crossett, Damascus, Datto, Decatur, Deer, Delaware, Delight, Dell, Dennard, Dermott, De Witt, Diamond City, Dierks, Dolph, Donaldson, Dover, Drasco, Driver, Dumas, Dyess, Earle, Elkins, El Paso, Emerson, Emmet, England, Enola, Ethel, Etowah, Eudora, Eureka Springs, Evansville, Evening Shade, Everton, Fairfield Bay, Farmington, Fayetteville, Fifty Six, Fisher, Floral, Foreman, Fort Smith, Fountain Hill, Fox, Franklin, Frenchmans Bayou, Friendship, Garfield, Gentry, Georgetown, Gillett, Gillham, Glenwood, Gould, Grady, Grannis, Gravette, Greenbrier, Green Forest, Greenway, Griffithville, Guion, Gurdon, Hackett, Hamburg, Hardy, Harrisburg, Harrison, Hasty, Hatfield, Hattieville, Havana, Hector, Hensley, Heth, Hickory Ridge, Higginson, Highland, Hindsville, Hiwasse, Horseshoe Bend, Hot Springs National Park, Hot Springs Village, Houston, Hoxie, Humnoke, Humphrey, Huntington, Imboden, Jacksonville, Jasper, Jerusalem, Jessieville, Joiner, Jonesboro, Jones Mill, Judsonia, Keiser, Keo, Kirby, Knobel, Lake City, Lake Village, Lamar, Langley, Leachville, Lead Hill, Leola, Lepanto, Lincoln, Little Rock, Little Rock Air Force Base, Locust Grove, London, Lonoke, Lonsdale, Lowell, Luxora, Lynn, Mabelvale, Magazine, Magnolia, Malvern, Mammoth Spring, Manila, Marble Falls, Marcella, Marion, Marked Tree, Marmaduke, Maumelle, Mayflower, Maynard, Maysville, Mc Crory, Mc Dougal, Mc Gehee, Mc Neil, Mc Rae, Melbourne, Mena, Mineral Springs, Minturn, Monette, Montrose, Morrilton, Morrow, Mountainburg, Mountain Home, Mountain Pine, Mountain View, Mount Ida, Mount Judea, Mount Pleasant, Mount Vernon, Mulberry, Murfreesboro, Nashville, Natural Dam, Newark, New Blaine, Newhope, Newport, Norman, North Little Rock, Oden, Ogden, Oil Trough, O Kean, Okolona, Omaha, Onia, Oppelo, Osceola, Oxford, Ozark, Pangburn, Paragould, Paris, Parkdale, Parkin, Paron, Parthenon, Peach Orchard, Pearcy, Pea Ridge, Peel, Pelsor, Pencil Bluff, Perry, Perryville, Pettigrew, Pickens, Piggott, Pineville, Pleasant Grove, Pleasant Plains, Plumerville, Pocahontas, Pollard, Ponca, Portia, Portland, Pottsville, Poughkeepsie, Powhatan, Poyen, Prairie Grove, Prescott, Quitman, Ratcliff, Ravenden, Ravenden Springs, Rector, Rockport, Rogers, Roland, Romance, Rose Bud, Rosie, Rosston, Royal, Rudy, Russellville, Saffell, Sage, Saint Charles, Saint Francis, Saratoga, Scotland, Scott, Scranton, Searcy, Sedgwick, Sherwood, Shirley, Sidney, Siloam Springs, Sims, Smithville, Snow Lake, Solgohachia, Sparkman, Springdale, Springfield, Stamps, Star City, State University, Stephens, Story, Strawberry, Stuttgart, Subiaco, Success, Sulphur Rock, Sulphur Springs, Summers, Swifton, Taylor, Tichnor, Tillar, Tilly, Timbo, Traskwood, Trumann, Tuckerman, Tyronza, Umpire, Uniontown, Van Buren, Vandervoort, Vendor, Vilonia, Violet Hill, Waldo, Walnut Ridge, Ward, Warm Springs, Watson, Weiner, Wesley, Western Grove, West Fork, West Memphis, White Hall, Wickes, Williford, Willisville, Wilmar, Wilmot, Wilson, Wilton, Winchester, Winslow, Winthrop, Wiseman, Wynne, Yorktown

For more information, see Arkansas wiki

Vehicle Financing Coverage Area For Arkansas

Car Finance Explained

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 Arkansas. 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.

Can't Wait Months To Increase Your Credit Score?

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.

What's A Good Score For An Auto Loan?

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!

Where Do I Get My Credit Score?

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.

What If I Can't Qualify For A Bank Car Loan?

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.

What If The Payments Aren't Affordable?

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.