The Best Florida Car Loans – FL

Florida (/ˈflɒrɪdə/ (listen); Spanish for “land of flowers”) is the southernmost contiguous state in the United States. The state is bordered to the west by the Gulf of Mexico, to the northwest by Alabama, to the north by Georgia, to the east by the Atlantic Ocean, and to the south by the Straits of Florida. Florida is the 22nd-most extensive (65,755 sq mi or 170,300 km), the 3rd-most populous (21,312,211 inhabitants), and the 8th-most densely populated (384.3/sq mi or 148.4/km) of the U.S. states. Jacksonville is the most populous municipality in the state and the largest city by area in the contiguous United States. The Miami metropolitan area is Florida’s most populous urban area. Tallahassee is the state’s capital.

Geography

Much of Florida is on a peninsula between the Gulf of Mexico, the Atlantic Ocean and the Straits of Florida. Spanning two time zones, it extends to the northwest into a panhandle, extending along the northern Gulf of Mexico. It is bordered on the north by Georgia and Alabama, and on the west, at the end of the panhandle, by Alabama. It is the only state that borders the Atlantic Ocean and the Gulf of Mexico. Florida also is the southernmost state in the 48 contiguous states, with Hawaii being the only state reaching farther south. Florida is west of The Bahamas and 90 miles (140 km) north of Cuba. Florida is one of the largest states east of the Mississippi River, and only Alaska and Michigan are larger in water area.
The water boundary is 3 nautical miles (3.5 mi; 5.6 km) offshore in the Atlantic Ocean and 9 nautical miles (10 mi; 17 km) offshore in the Gulf of Mexico.

At 345 feet (105 m) above mean sea level, Britton Hill is the highest point in Florida and the lowest highpoint of any U.S. state. Much of the state south of Orlando lies at a lower elevation than northern Florida, and is fairly level. Much of the state is at or near sea level. However, some places such as Clearwater have promontories that rise 50 to 100 ft (15 to 30 m) above the water. Much of Central and North Florida, typically 25 mi (40 km) or more away from the coastline, have rolling hills with elevations ranging from 100 to 250 ft (30 to 76 m). The highest point in peninsular Florida (east and south of the Suwannee River), Sugarloaf Mountain, is a 312-foot (95 m) peak in Lake County. On average, Florida is the flattest state in the United States.

Demographics

The United States Census Bureau estimates that the population of Florida was 21,299,325 on July 1, 2018, a 13.29% increase since the 2010 United States Census. The population of Florida in the 2010 census was 18,801,310. Florida was the seventh fastest-growing state in the U.S. in the 12-month period ending July 1, 2012. In 2010, the center of population of Florida was located between Fort Meade and Frostproof. The center of population has moved less than 5 miles (8 km) to the east and approximately 1 mile (1.6 km) to the north between 1980 and 2010 and has been located in Polk County since the 1960 census.
The population exceeded 19.7 million by December 2014, surpassing the population of the state of New York for the first time. The Florida population was 21,299,325 residents or people according to the U.S. Census Bureau’s 2018 Population Estimates Program.

Florida contains the highest percentage of people over 65 (17%). There were 186,102 military retirees living in the state in 2008.
About two-thirds of the population was born in another state, the second highest in the U.S.

In 2010, undocumented immigrants constituted an estimated 5.7% of the population. This was the sixth highest percentage of any U.S. state. There were an estimated 675,000 illegal immigrants in the state in 2010.

A 2013 Gallup poll indicated that 47% of the residents agreed that Florida was the best state to live in. Results in other states ranged from a low of 18% to a high of 77%.

The largest metropolitan area in the state as well as the entire southeastern United States is the Miami metropolitan area, with about 6.06 million people. The Tampa Bay Area, with over 3.02 million people, is the second largest; the Orlando metropolitan area, with over 2.44 million people, is the third; and the Jacksonville metropolitan area, with over 1.47 million people, is fourth.

Florida has 22 Metropolitan Statistical Areas (MSAs) defined by the United States Office of Management and Budget (OMB). 43 of Florida’s 67 counties are in a MSA.

The legal name in Florida for a city, town or village is “municipality”. In Florida there is no legal difference between towns, villages and cities.

In 2012, 75% of the population lived within 10 miles (16 km) of the coastline.

Hispanic and Latinos of any race made up 22.5% of the population in 2010. As of 2011, 57% of Florida’s population younger than age 1 were minorities (meaning that they had at least one parent who was not non-Hispanic white).

In 2010, 6.9% of the population (1,269,765) considered themselves to be of only American ancestry (regardless of race or ethnicity). Many of these were of English or Scotch-Irish descent; however, their families have lived in the state for so long, that they choose to identify as having “American” ancestry or do not know their ancestry. In the 1980 United States census, the largest ancestry group reported in Florida was English with 2,232,514 Floridians claiming that they were of English or mostly English American ancestry. Some of their ancestry went back to the original thirteen colonies.

As of 2010, those of (non-Hispanic white) European ancestry accounted for 57.9% of Florida’s population. Out of the 57.9%, the largest groups were 12.0% German (2,212,391), 10.7% Irish (1,979,058), 8.8% English (1,629,832), 6.6% Italian (1,215,242), 2.8% Polish (511,229), and 2.7% French (504,641).
White Americans of all European backgrounds are present in all areas of the state. In 1970, non-Hispanic whites were nearly 80% of Florida’s population. Those of English and Irish ancestry are present in large numbers in all the urban/suburban areas across the state. Some native white Floridians, especially those who have descended from long-time Florida families, may refer to themselves as “Florida crackers”; others see the term as a derogatory one. Like whites in most other states of the southern U.S., they descend mainly from English and Scots-Irish settlers, as well as some other British American settlers.

As of 2010, those of Hispanic or Latino ancestry accounted for 22.5% (4,223,806) of Florida’s population. Out of the 22.5%, the largest groups were 6.5% (1,213,438) Cuban, 4.5% (847,550) Puerto Rican, 3.3% (629,718) Mexican, and 1.6% (300,414) Colombian. Florida’s Hispanic population includes large communities of Cuban Americans in Miami and Tampa, Puerto Ricans in Orlando and Tampa, and Mexican/Central American migrant workers. The Hispanic community continues to grow more affluent and mobile. As of 2011, 57.0% of Florida’s children under the age of 1 belonged to minority groups. Florida has a large and diverse Hispanic population, with Cubans and Puerto Ricans being the largest groups in the state. Nearly 80% of Cuban Americans live in Florida, especially South Florida where there is a long-standing and affluent Cuban community. Florida has the second largest Puerto Rican population after New York, as well as the fastest-growing in the nation. Puerto Ricans are more widespread throughout the state, though the heaviest concentrations are in the Orlando area of Central Florida.

As of 2010, those of African ancestry accounted for 16.0% of Florida’s population, which includes African Americans. Out of the 16.0%, 4.0% (741,879) were West Indian or Afro-Caribbean American. During the early 1900s, black people made up nearly half of the state’s population. In response to segregation, disfranchisement and agricultural depression, many African Americans migrated from Florida to northern cities in the Great Migration, in waves from 1910 to 1940, and again starting in the later 1940s. They moved for jobs, better education for their children and the chance to vote and participate in society. By 1960, the proportion of African Americans in the state had declined to 18%. Conversely, large numbers of northern whites moved to the state. Today, large concentrations of black residents can be found in northern and central Florida. Aside from blacks descended from African slaves brought to the southern U.S., there are also large numbers of blacks of West Indian, recent African, and Afro-Latino immigrant origins, especially in the Miami/South Florida area.

In 2016, Florida had the highest percentage of West Indians in the United States at 4.5%, with 2.3% (483,874) from Haitian ancestry, 1.5% (303,527) Jamaican, and 0.2% (31,966) Bahamian, with the other West Indian groups making up the rest.

As of 2010, those of Asian ancestry accounted for 2.4% of Florida’s population.

In 1988, English was affirmed as the state’s official language in the Florida Constitution. Spanish is also widely spoken, especially as immigration has continued from Latin America. Twenty percent of the population speak Spanish as their first language. Twenty-seven percent of Florida’s population reports speaking a mother language other than English, and more than 200 first languages other than English are spoken at home in the state.

The most common languages spoken in Florida as a first language in 2010 are:

Florida is mostly Christian, although there is a large irreligious and relatively significant Jewish community. Protestants account for almost half of the population, but the Catholic Church is the largest single denomination in the state mainly due to its large Hispanic population and other groups like Haitians. Protestants are very diverse, although Baptists, Methodists, Pentecostals and nondenominational Protestants are the largest groups. There is also a sizable Jewish community in South Florida. This is the largest Jewish population in the southern U.S. and the third-largest in the U.S. behind those of New York and California.

In 2010, the three largest denominations in Florida were the Catholic Church, the Southern Baptist Convention, and the United Methodist Church.

The Pew Research Center survey in 2014 gave the following religious makeup of Florida:

Neighborhoods

Florida neighborhoods include: Alachua, Alford, Altamonte Springs, Altha, Altoona, Alva, Anthony, Apalachicola, Apollo Beach, Apopka, Arcadia, Archer, Astatula, Astor, Atlantic Beach, Auburndale, Ave Maria, Aventura, Avon Park, Babson Park, Baker, Bartow, Bascom, Bay Harbor Islands, Bell, Belleair, Belleair Beach, Belleair Bluffs, Belle Glade, Belle Isle, Belleview, Beverly Hills, Big Pine Key, Blountstown, Boca Grande, Boca Raton, Bokeelia, Bonifay, Bonita Springs, Bowling Green, Boynton Beach, Bradenton, Bradenton Beach, Brandon, Branford, Bristol, Bronson, Brooker, Brooksville, Bryceville, Bunnell, Bushnell, Callahan, Campbellton, Canal Point, Cantonment, Cape Canaveral, Cape Coral, Captiva, Carrabelle, Caryville, Casselberry, Cedar Key, Center Hill, Century, Champions Gate, Chattahoochee, Chiefland, Chipley, Christmas, Chuluota, Citra, Citrus Springs, Clarksville, Clearwater, Clearwater Beach, Clermont, Clewiston, Cocoa, Cocoa Beach, Coconut Creek, Coconut Grove, Cooper City, Coral Gables, Coral Springs, Cortez, Cottondale, Crawfordville, Crescent City, Crestview, Cross City, Crystal River, Cudjoe Key, Cutler Bay, Dade City, Dania, Davenport, Davie, Daytona Beach, Debary, Deerfield Beach, Deer Island, Defuniak Springs, Deland, De Leon Springs, Delray Beach, Deltona, Destin, Doral, Dover, Duette, Dundee, Dunedin, Dunnellon, Eagle Lake, Earleton, East Palatka, Eastpoint, Ebro, Edgewater, Eglin Afb, El Jobean, Ellenton, Eloise, Englewood, Enterprise, Estero, Eustis, Fanning Springs, Fellsmere, Fernandina Beach, Fern Park, Flagler Beach, Fleming Island, Florahome, Floral City, Fort Denaud, Fort Lauderdale, Fort Mc Coy, Fort Meade, Fort Myers, Fort Myers Beach, Fort Pierce, Fort Walton Beach, Fort White, Fountain, Freeport, Frostproof, Fruitland Park, Gainesville, Geneva, Georgetown, Gibsonton, Glen Saint Mary, Gotha, Graceville, Grand Island, Grand Ridge, Grant, Greenacres, Green Acres, Green Cove Springs, Greenville, Greenwood, Gretna, Groveland, Gulf Breeze, Gulfport, Haines City, Hallandale, Hallandale Beach, Hampton, Harmony, Hastings, Havana, Haverhill, Hawthorne, Hernando, Hernando Beach, Hialeah, Hialeah Gardens, Highland Beach, High Springs, Hilliard, Hillsboro Beach, Hobe Sound, Holiday, Hollywood, Holmes Beach, Holt, Homestead, Homosassa, Horseshoe Beach, Hosford, Howey In The Hills, Hudson, Hypoluxo, Immokalee, Indialantic, Indian Harbour Beach, Indian Lake Estates, Indian Rocks Beach, Indian Shores, Indiantown, Inglis, Interlachen, Inverness, Islamorada, Jacksonville, Jacksonville Beach, Jasper, Jay, Jennings, Jensen Beach, Jerome, Juno Beach, Jupiter, Kathleen, Kenansville, Kenneth City, Key Biscayne, Key Colony Beach, Key Largo, Keystone Heights, Key West, Kinard, Kissimmee, Labelle, Lady Lake, Lake Alfred, Lake Butler, Lake City, Lake Helen, Lakeland, Lake Mary, Lake Panasoffkee, Lake Park, Lake Placid, Lake Wales, Lakewood Ranch, Lake Worth, Lamont, Land O Lakes, Lantana, Largo, Lauderdale By The Sea, Lauderdale Lakes, Lauderhill, Laurel Hill, Lawtey, Lazy Lake, Lecanto, Lee, Leesburg, Lehigh Acres, Lighthouse Point, Lithia, Live Oak, Longboat Key, Longwood, Lorida, Loxahatchee, Lulu, Lutz, Lynn Haven, Macclenny, Madeira Beach, Madison, Maitland, Malabar, Malone, Marathon, Marco Island, Margate, Marianna, Mary Esther, Masaryktown, Mascotte, Matlacha, Matlacha Isles, Mc David, Melbourne, Melbourne Beach, Melrose, Merritt Island, Mexico Beach, Miami, Miami Beach, Miami Lakes, Miami Shores, Micanopy, Micco, Middleburg, Midway, Milton, Mims, Minneola, Miramar, Miramar Beach, Miromar Lakes, Molino, Monticello, Montverde, Moore Haven, Morriston, Mount Dora, Mulberry, Myakka City, Naples, Navarre, Neptune Beach, Newberry, New Port Richey, New Smyrna Beach, Niceville, Nokomis, North Bay Village, North Fort Myers, North Lauderdale, North Miami, North Miami Beach, North Palm Beach, North Port, North Redington Beach, North Venice, Oak Hill, Oakland, Oakland Park, Ocala, Ochopee, Ocklawaha, Ocoee, Odessa, Okahumpka, Okeechobee, Oldsmar, Old Town, Ona, Orange City, Orange Park, Orlando, Ormond Beach, Osprey, Osteen, Oviedo, Oxford, Pace, Pahokee, Paisley, Palatka, Palm Bay, Palm Beach, Palm Beach Gardens, Palm Beach Shores, Palm City, Palm Coast, Palmetto, Palm Harbor, Palm Springs, Panacea, Panama City, Panama City Beach, Parkland, Parrish, Patrick Afb, Pembroke Pines, Pensacola, Pensacola Beach, Perry, Pierson, Pinecrest, Pinellas Park, Pinetta, Placida, Plantation, Plant City, Polk City, Pomona Park, Pompano Beach, Ponce De Leon, Ponce Inlet, Ponte Vedra, Ponte Vedra Beach, Port Charlotte, Port Orange, Port Richey, Port Saint Joe, Port Saint Lucie, Port St Joe, Port St Lucie, Punta Gorda, Quincy, Raiford, Reddick, Redington Beach, Redington Shores, Reunion, Richland, River Ranch, Riverview, Riviera Beach, Rockledge, Rotonda West, Royal Palm Beach, Ruskin, Safety Harbor, Saint Augustine, Saint Cloud, Saint James City, Saint Johns, Saint Marks, Saint Petersburg, Salem, San Antonio, Sanderson, Sanford, Sanibel, San Mateo, Santa Rosa Beach, Sarasota, Satellite Beach, Satsuma, Sea Ranch Lakes, Sebastian, Sebring, Seffner, Seminole, Seville, Shalimar, Sidell, Silver Springs, Sneads, Sopchoppy, Sorrento, South Bay, South Daytona, South Pasadena, Southwest Ranches, Spring Hill, Starke, Steinhatchee, St Pete Beach, St Petersburg, Stuart, Summerfield, Summerland Key, Sumterville, Sun City Center, Sunny Isles Beach, Sunrise, Suwannee, Tallahassee, Tamarac, Tampa, Tarpon Springs, Tavares, Tavernier, Telogia, Temple Terrace, Tequesta, The Villages, Thonotosassa, Tierra Verde, Titusville, Treasure Island, Trenton, Trinity, Tyndall Afb, Umatilla, University Park, Valparaiso, Valrico, Venice, Venus, Vernon, Vero Beach, Waldo, Wauchula, Webster, Weeki Wachee, Weirsdale, Welaka, Wellborn, Wellington, Wesley Chapel, West Melbourne, Weston, West Palm Beach, West Park, Westville, Wewahitchka, White Springs, Wildwood, Williston, Wilton Manors, Wimauma, Windermere, Winter Garden, Winter Haven, Winter Park, Winter Springs, Yalaha, Yankeetown, Yeehaw Junction, Youngstown, Yulee, Zellwood, Zephyrhills, Zolfo Springs

For more information, see Florida wiki

Easy Car Loans Coverage Area For Florida

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 Florida. 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.