The Best Escondido California Car Loans

Escondido California Car Loans

Looking For Auto Finance in Escondido California?

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Why Choose Us For Your December 2019 Auto Loan?

Escondido (/ˌɛskənˈdiːdoʊ/ ES-kən-DEE-doh) is a city located in San Diego County’s North County region, 30 miles (48 km) northeast of Downtown San Diego, California. The city occupies a shallow valley ringed by rocky hills. Incorporated in 1888, it is one of the oldest cities in San Diego County. The city had a population of 143,911 in the 2010 census.

Geography

According to the United States Census Bureau, the city has a total area of 37.0 square miles (96 km). 36.8 square miles (95 km) of it is land and 0.2 square miles (0.52 km) of it is water. The total area is 0.48% water.

The city is growing at a rapid rate with new communities like Hidden Trails appearing at the east end of East Valley Parkway. The city proper is surrounded by several sparsely populated unincorporated communities. These include Jesmond Dene and Hidden Meadows to the north; Felicita Park to the southwest; and Rincon Del Diablo to the southeast. Residents of these communities have Escondido mailing addresses and zip codes, and their children are sometimes assigned to Escondido schools, but residents of these communities cannot participate in city elections.

The city contains several neighborhoods including:

The Escondido Creek bisects the city. It originates at the Lake Wohlford Dam in the northeast, passes through downtown and leaves the city through the Harmony Grove area in the southwest before eventually emptying into the San Elijo Lagoon. The creek path through the city was developed into a concrete flood control channel in the 1960s. A Class I bicycle path runs along most of the channel’s length.

The community of Valley Center is located just north of Escondido. Valley View Casino, owned by the San Pasqual Band of Diegueno Mission Indians, is located in Valley Center.

Natural vegetation types in the Escondido area include chaparral brushland, oak woodland, riparian (stream) woodland, and grassland. The Daley Ranch Preserve north of the city provides a good location to view these natural vegetation types.

Demographics

In the 2010 United States Census, Escondido had a population of 143,911. The population density was 3,890.7 people per square mile (1,502.2/km²). The racial makeup was 60.4% White (Non-Hispanic White 40.4%), 2.5% African American (2.1% Non-Hispanic black), 1.0% Native American, 6.1% Asian, 0.2% Pacific Islander, 25.4% from other races, and 4.4% from two or more races. Hispanic or Latino of any race were 48.9% of the population. ,

The Census reported that 141,792 people (98.5% of the population) lived in households, 1,333 (0.9%) lived in non-institutionalized group quarters, and 786 (0.5%) were institutionalized.

There were 45,484 households, out of which 18,989 (41.7%) had children under the age of 18 living in them, 23,535 (51.7%) were opposite-sex married couples living together, 6,082 (13.4%) had a female householder with no husband present, 3,115 (6.8%) had a male householder with no wife present. There were 3,121 (6.9%) unmarried opposite-sex partnerships, and 343 (0.8%) same-sex married couples or partnerships. 9,528 households (20.9%) were made up of individuals and 4,235 (9.3%) had someone living alone who was 65 years of age or older. The average household size was 3.12. There were 32,732 families (72.0% of all households); the average family size was 3.57.

The age distribution of the population shows 39,778 people (27.6%) under the age of 18, 15,455 people (10.7%) aged 18 to 24, 41,043 people (28.5%) aged 25 to 44, 32,551 people (22.6%) aged 45 to 64, and 15,084 people (10.5%) who were 65 years of age or older. The median age was 32.5 years. For every 100 females, there were 98.2 males. For every 100 females age 18 and over, there were 96.1 males.

There were 48,044 housing units at an average density of 1,298.9 per square mile (501.5/km²), of which 23,759 (52.2%) were owner-occupied, and 21,725 (47.8%) were occupied by renters. The homeowner vacancy rate was 2.2%; the rental vacancy rate was 6.0%. 70,936 people (49.3% of the population) lived in owner-occupied housing units and 70,856 people (49.2%) lived in rental housing units.

As of the census of 2000, there are 133,559 people, 43,817 households, and 31,153 families residing in the city. The population density is 1,421.4/km² (3,680.9/mi²). There are 45,050 housing units at an average density of 479.4/km² (1,241.6/mi²). The racial makeup of the city is 67.82% White, 2.25% African American, 1.23% Native American, 4.46% Asian, 0.23% Pacific Islander, 19.19% from other races, and 4.81% from two or more races. 38.70% of the population are Hispanic or Latino of any race.

There are 43,817 households out of which 39.1% have children under the age of 18 living with them, 53.9% are married couples living together, 11.7% have a female householder with no husband present, and 28.9% are non-families. 22.4% of all households are made up of individuals and 10.1% have someone living alone who is 65 years of age or older. The average household size is 3.01 and the average family size is 3.50.

In the city, the age distribution of the population shows 29.7% under the age of 18, 10.4% from 18 to 24, 31.4% from 25 to 44, 17.5% from 45 to 64, and 11.0% who are 65 years of age or older. The median age is 31 years. For every 100 females, there are 98.4 males. For every 100 females age 18 and over, there are 96.1 males.

The median income for a household in the city is $42,567, and the median income for a family is $48,456. Males have a median income of $32,627 versus $27,526 for females. The per capita income for the city is $18,241. 13.4% of the population and 9.3% of families are below the poverty line. Out of the total population, 17.9% of those under the age of 18 and 5.7% of those 65 and older are living below the poverty line.

The city can be divided into two demographically distinct areas. Peripheral hilly areas to the north, southeast, and southwest are relatively wealthy and populated by non-Hispanic whites, and flat areas adjacent to the downtown are predominantly Hispanic. As of 2006-07 school year, non-Hispanic white children comprised 71.7% of all students in Bernardo Elementary School (southwest), 60.8% of all students in L.R. Green Elementary School (southeast), and 54.7% of all students in Reidy Creek Elementary School (north); In contrast, Farr Avenue, Pioneer and Lincoln Elementary schools (three large schools just north of the downtown) all have more than 85% of Hispanic and less than 6% non-Hispanic white students.

In 2007, the city ranked #65 by violent crimes per capita and #58 by property crimes per capita among 165 cities in California with populations greater than 50,000. Compared with the 12 largest cities in San Diego County, it ranked 6th in both categories. Its crime rate was lower in both categories than San Diego, El Cajon, and National City; higher in both categories than San Marcos, Carlsbad, Encinitas, and Santee. Escondido had a higher violent crime rate but lower property crime rate than La Mesa and Chula Vista; it had a lower violent crime rate but higher property crime rate than Vista and Oceanside.

However, since 2008, Escondido has seen a drop in overall crime. In 2009, 629 violent crimes and 3,880 property crimes were reported in Escondido. There were four murders and non-negligent manslaughters, 42 rapes, 249 robberies, 334 aggravated assaults, 779 burglaries, 2,402 larceny thefts, 699 vehicle thefts, and 23 arsons. In 2010, Escondido saw a 5 percent drop in violent crime, with only 597 reported violent crimes according to the Escondido Police Officer’s Association. However, there was a 3.9 percent increase in the number of property crimes, including residential and commercial burglaries, from 3,880 in 2009 to 4,033 in 2010, according to FBI statistics. In 2011, violent crime has decreased by 17.09% as compared to the same period in 2010. Leading the reduction is rape which is down 24.32%. Armed robberies went down 23.86%, followed by aggravated assault which is down 16.81%. There were 3 homicides in the city, the same as the previous year.

Zip Code Map

92025–92027, 92029

Neighborhoods

Escondido California neighborhoods include: 2nd/Fig, 4th/Grape, 78 – 15, Adobe, Albert, Rosa, Socin, Alexander Dr, Amarillo Pl, Anaheim Hill, Avenida Del Diablo, Banyan Way, Bear Valley/El Dorado, Birch Ave, Broadway Laurashawn, Candlelight Hills, Center City Parkway, Central Escondido, Champagne Village, Cimarron, Circle R/Castle Creek, Citracado Village, Citrus Gardens Inc., Cloverdale/Mountain View, Country Club, Country Estates, Del Dios and Mt Israel, East Grove, East of Broadway, East Reidy Creek, East Valley, El Ku, El Norte Villas, Encino, Eureka Springs, Felicita, Forest Glen, Grand/Valley, Greenway Rise, Harbor Hills Estates, Heritage at Canyon Point, Hidden Hills/Citracado, Hidden Meadows, Hidden Trails, Highland Valley, Idaho Ave, Jesmond Dene and Montreux, Kalmia, Kent Ranch, Lake Hodges, Las Casitas, LaSerena-Mary Ln-Summit, Le Chateau Heritage, Lincoln/Ash, Mary Lane/Kit Carson Park, Mesa Rock, Midway Manor, Montiel, Northeast El Norte Triangle, North El Norte, North E Under Big E, Oak Hill, Old Guejito, Rancho Verde, Rustic Village, San Pasqual, Savanna, Shirey Rd, Sierra Linda, Sonata, S Quince St, Summer Creek, Sunset, Terrace Gardens, Upas, Via Rancho, Vineyard, Vintage Place, Vistamonte, Washington, Westside, Westwind, W Mission Rd

For more information, see Escondido California wiki

Vehicle Financing Coverage Area For Escondido California

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.

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Steps to Apply For An Auto Loan

1 - Budget For Your Purchase

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.

Easy Credit Auto in Escondido California

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.

2 - Choose Whether You Want a New or Used Car

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.

3 - Apply For Your Car Loan

Click the button below and fill out our quick and easy application form to get started right away!

What You Should Know About The Best Auto Financing in Escondido California

No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.

Save $50 off Credit Repair Service - Applies to first-work fee for each spouse sign-up.

We specialize in:

  • Good Credit Car Loans
  • Fair Credit Car Loans
  • Bad Credit Auto Financing
  • Poor Credit Car Finance
  • Horrible Credit Car Financing
  • and Car Loans With No Credit History

We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car loans 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 buy a car with their ITIN number.

We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.

If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.

AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan 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!


Buying A Car With No Credit?

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 Escondido California. Large commercial banks don't want anything to do with personal loans, especially financing new cars. Car Loans No Credit HistoryIn 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.

What a Buyer Might Face With No Credit Car Loans

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.


Getting A Car Loan With Bad Credit

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 Escondido California 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. Bad Credit Auto LoanAll 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.

New Car Dealerships

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.

Online Loan Matching Services

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.



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