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The city of Grass Valley is the largest city in the western region of Nevada County, California, United States. Situated at roughly 2,500 feet (760 m) elevation in the western foothills of the Sierra Nevada mountain range, this historic northern Gold Country city is 57 miles (92 km) by car from the state capitol in Sacramento, 64 miles (103 km) from Sacramento International Airport, 88 miles (142 km) west of Reno, and 143 miles (230 km) northeast of San Francisco. As of the 2010 United States Census, its population was 12,860.
Grass Valley is located at 39°13′9″N 121°3′30″W / 39.21917°N 121.05833°W / 39.21917; -121.05833 (39.219215, -121.058414). According to the United States Census Bureau, the city has a total area of 4.7 square miles (12 km), all of it land.
A variety of igneous and metamorphic rock supports Grass Valley. Granitic rock such as quartz diorite underlies the downtown core and extends south along Highway 49. Metavolcanic rock and diabase underlie areas around the granitic zone. Neighborhoods around Nevada County Golf Course and Sierra Nevada Memorial Hospital are underlain by ultramafic rock which supports infertile soils of the Dubakella series. Here the vegetation is not as luxuriant as one would expect from the high average annual precipitation, and forested areas are often dominated by several species of oaks and the crooked, thin-crowned gray pine. Straight, dense ponderosa pine inhabits the more fertile soils which include Musick series on granitic rock and Sites series on mafic or metamorphic rock.
The 2010 United States Census reported that Grass Valley had a population of 12,860. The population density was 2,711.3 people per square mile (1,046.8/km²). The racial makeup of Grass Valley was 11,493 (89.4%) White, 208 (1.6%) Native American, 188 (1.5%) Asian, 46 (0.4%) African American, 9 (0.1%) Pacific Islander, 419 (3.3%) from other races, and 497 (3.9%) from two or more races. Hispanics or Latinos of any race were 1,341 persons (10.4%).
The census reported that 12,401 people (96.4% of the population) lived in households, 118 (0.9%) lived in noninstitutionalized group quarters, and 341 (2.7%) were institutionalized.
Of the 6,077 households, 1,544 (25.4%) had children under the age of 18 living in them, 1,665 (27.4%) were opposite-sex married couples living together, 980 (16.1%) had a female householder with no husband present, and 316 (5.2%) had a male householder with no wife present, 466 (7.7%) were unmarried opposite-sex partnerships, and 33 (0.5%) were same-sex married couples or partnerships. About 2,605 households (42.9%) were made up of individuals and 1,415 (23.3%) had someone living alone who was 65 years of age or older. The average household size was 2.04. The 2,961 families (48.7% of all households) had an average family size of 2.78.
The population was distributed as 2,625 people (20.4%) under the age of 18, 1,146 people (8.9%) aged 18 to 24, 2,882 people (22.4%) aged 25 to 44, 3,183 people (24.8%) aged 45 to 64, and 3,024 people (23.5%) who were 65 years of age or older. The median age was 43.2 years. For every 100 females, there were 78.9 males. For every 100 females age 18 and over, there were 73.5 males.
The 6,637 housing units averaged 1,399.3 per square mile (540.3/km²), of which 2,391 (39.3%) were owner-occupied, and 3,686 (60.7%) were occupied by renters. The homeowner vacancy rate was 4.0%; the rental vacancy rate was 6.7%; 4,663 people (36.3% of the population) lived in owner-occupied housing units and 7,738 people (60.2%) lived in rental housing units.
As of the census of 2000, 10,922 people, 5,016 households, and 2,678 families resided in the city. The population density was 2,660.2 people per square mile (1,026.0/km²).
Of the 5,016 households, 26.5% had children under the age of 18 living with them, 32.4% were married couples living together, 16.3% had a female householder with no husband present, and 46.6% were not families. About 39.1% of all households were made up of individuals, and 20.3% had someone living alone who was 65 years of age or older. The average household size was 2.13 and the average family size was 2.80 people.
The median income for a household in the city was $28,182, and for a family was $33,220. Males had a median income of $32,568 versus $21,915 for females. The per capita income for the city was $16,877. About 12.9% of families and 14.9% of the population were below the poverty line, including 20.0% of those under age 18 and 6.3% of those age 65 or over.
For more information, see Grass Valley California 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.
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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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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 Grass Valley California. 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 Grass Valley California. 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.