The Best Merced California Car Loans

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Merced /mɜːrˈsɛd/ (Spanish for “Mercy”) is a city in, and the county seat of, Merced County, California, United States, in the San Joaquin Valley. As of 2014, the city had a population of 81,743. Incorporated on April 1, 1889, Merced is a charter city that operates under a council-manager government. It is named after the Merced River, which flows nearby.

Demographics

The 2010 United States Census reported that Merced had a population of 78,959
. The population density was 3,386.4 people per square mile. (1,307.5/km²). The racial makeup of Merced was 41,177 (52.1%) White, 4,958 (6.3%) African American, 1,153 (1.5%) Native American, 9,342 (11.8%) Asian, 174 (0.2%) Pacific Islander, 17,804 (22.5%) from other races, and 4,350 (5.5%) from two or more races. Hispanic or Latino of any race were 39,140 persons (49.6%).

The Census reported that 77,878 people (98.6% of the population) lived in households, 492 (0.6%) lived in non-institutionalized group quarters, and 588 (0.7%) were institutionalized.

There were 24,899 households, out of which 11,484 (46.1%) had children under the age of 18 living in them, 10,958 (44.0%) were opposite-sex married couples living together, 4,921 (19.8%) had a female householder with no husband present, 1,941 (7.8%) had a male householder with no wife present. There were 2,156 (8.7%) unmarried opposite-sex partnerships, and 167 (0.7%) same-sex married couples or partnerships. 5,356 households (21.5%) were made up of individuals and 1,823 (7.3%) had someone living alone who was 65 years of age or older. The average household size was 3.13. There were 17,820 families (71.6% of all households); the average family size was 3.65.

The population was spread out with 25,091 people (31.8%) under the age of 18, 10,475 people (13.3%) aged 18 to 24, 20,986 people (26.6%) aged 25 to 44, 15,484 people (19.6%) aged 45 to 64, and 6,922 people (8.8%) who were 65 years of age or older. The median age was 28.1 years. For every 100 females, there were 96.3 males. For every 100 females age 18 and over, there were 93.6 males.

There were 27,446 housing units at an average density of 1,177.1 per square mile (454.5/km²), of which 10,637 (42.7%) were owner-occupied, and 14,262 (57.3%) were occupied by renters. The homeowner vacancy rate was 3.5%; the rental vacancy rate was 8.5%. 31,690 people (40.1% of the population) lived in owner-occupied housing units and 46,188 people (58.5%) lived in rental housing units.

As of the census of 2000, there were 63,893 people, 20,435 households, and 14,631 families residing in the city. The population density was 3,216.7 people per square mile (1,242.2/km²). There were 21,532 housing units at an average density of 1,084.0 per square mile (418.6/km²). The racial makeup of the city was 57.4% White, 6.3% African American, 1.3% Native American, 12.4% Asian (mostly Hmong), 0.2% Pacific Islander, 23.2% from other races, and 5.2% from two or more races. Hispanic or Latino of any race were 26.4% of the population.

There were 20,435 households, out of which 42.9% had children under the age of 18 living with them, 47.2% contained married couples living together, 18.2% had a female householder with no husband present, and 28.4% were “nonfamilies.” 22.6% of all households were made up of individuals and 8.5% had someone living alone who was 65 years of age or older. The average household size was 3.06 and the average family size was 3.62.

In the city, the population was spread out, with 34.7% under the age of 18, 11.4% from 18 to 24, 27.4% from 25 to 44, 17.1% from 45 to 64, and 9.4% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 95.6 males. For every 100 females age 18 and over, there were 92.3 males.

The median income for a household in the city was $30,429, and the median income for a family was $32,470. Males had a median income of $31,725 versus $24,492 for females. The per capita income for the city was $13,115. About 22.4% of families and 27.9% of the population were below the poverty line, including 36.9% of those under age 18 and 10.1% of those age 65 or over.

Escaping persecution from Communist forces after the Laotian Civil War, Hmong refugees from Laos moved to the United States in the 1970s and ’80s, first settling in Merced and other areas in the Central Valley of California. The Hmong could not initially take part in farming like they had expected, as the land was owned by other people. They could not get high end agricultural jobs because they did not speak sufficient English and Mexican migrants already held low end agricultural jobs. As such, a great many of Merced’s Hmong collected social services and Hmong gangs arose, prompting other residents to perceive them as being the cause of economic troubles. As the Hmong settlement matured and the Hmong children gained English language skills, the town’s overall attitude began to be more accepting of the Hmong community.

This acceptance is reflected in various services provided to the Hmong community. This includes the Merced Lao Family Community Inc., a nonprofit organization that provides social services to Hmong people, the Merced Department of Public Health’s MATCH (Multidisciplinary Approach to Cross-Cultural Health) program, intending to draw Hmong patients into the health care system, a body of Hmong-speaking faculty and paraprofessionals (including college classes on Hmong culture and language), and media outlets for the Hmong community—cable television channel Channel 11 broadcasts programming to the Hmong community twice per week and radio station KBIF 900 AM airs programming oriented towards Hmong people.

While Merced has historically had a proportionally large portion of Hmong (in 1997, 12,000 of Merced’s 61,000 residents were Hmong), demographic shifts have reduced this. The Personal Responsibility and Work Opportunity Act of 1996 prompted a move of some Hmong to Minnesota, North Carolina, and Wisconsin. More recently, many Hmong have gone to Alaska to work in crabbing and fishing industries that require little proficiency in English.

In 2010, Latinos became a majority population in Merced and Merced County as the agricultural industry brought in migrant farm laborers. The area’s affordable housing prices attracted both Latino and Asian immigrants. Merced has large Asian-American (e.g. Hmong, followed by Chinese, Vietnamese, Laotian, Cambodian, Filipino, Thai, Korean and Asian Indian) populations relative to the city and county’s population size.

Zip Code Map

95340–95344, 95348

For more information, see Merced California wiki

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  • Poor Credit Car Finance
  • Horrible Credit Car Financing
  • and Car Loans With No Credit History

We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto 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 auto loans and helping borrowers to obtain car loans 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 used car lots, used car dealership for bad credit, 2nd chance auto dealers and other used car 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!


Do You Have Bad Credit And Need A Car?

Getting bad credit car or truck loans can present a problem, especially in Merced California. There are companies that offer bad credit car loans for people who have filed for bankruptcy, have slow pay history or other severe credit problems. Car Financing Bad Credit in Merced CaliforniaWith these companies, 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.

Obtaining car financing with bad credit can have a positive impact on your credit history if handled correctly. If you have a job that can be verified, and if you are not currently in the process of filing for bankruptcy, then you can more than likely get a bad credit car loan.

Fill out our quick and easy one-page application form and get pre-approved for a car before you go to the dealership. Now is not the time to be shy. Your credit may be spotty but you have the opportunity to get a car and improve your credit at the same time. Once you get a pre-approval for car loans for bad credit, you will feel confident before you walk into a dealership.

Bad credit did not happen overnight. Fixing bad credit takes time and persistence. Today you need a bad credit car loan but if you pay the payment in a timely manner, your next car loan can be on your terms.


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 Merced 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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