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Arkansas City (/ɑːrˈkænzəs/) is a city in Cowley County, Kansas, United States, situated at the confluence of the Arkansas and Walnut rivers in the southwestern part of the county. As of the 2010 census, the city population was 12,415.
Arkansas City is located at 37°3′55″N 97°2′23″W / 37.06528°N 97.03972°W / 37.06528; -97.03972 (37.065267, −97.039608). The city is situated along the northern bank of the Arkansas River and to the west of its confluence with the Walnut River. It is located at the junction of U.S. Route 77 and U.S. Route 166, only four miles (6.4 km) north of the Kansas-Oklahoma border. Winfield, the county seat, is 13 miles (21 km) north of Arkansas City along US-77, and Strother Field, a general aviation airport, is about eight miles (13 km) north. Arkansas City is located 54 miles (87 km) southeast of Wichita.
According to the United States Census Bureau, the city has a total area of 9.38 square miles (24.29 km), of which 9.36 square miles (24.24 km) is land and 0.02 square miles (0.05 km) is water.
As of the census of 2010, there were 12,415 people, 4,802 households, and 3,030 families residing in the city. The population density was 1,326.4 inhabitants per square mile (512.1/km). There were 5,646 housing units at an average density of 603.2 per square mile (232.9/km). The racial makeup of the city was 79.4% White, 3.9% African American, 2.7% Native American, 0.6% Asian, 0.1% Pacific Islander, 8.7% from other races, and 4.6% from two or more races. Hispanic or Latino of any race were 17.3% of the population.
There were 4,802 households of which 33.8% had children under the age of 18 living with them, 43.4% were married couples living together, 13.9% had a female householder with no husband present, 5.9% had a male householder with no wife present, and 36.9% were non-families. 31.9% of all households were made up of individuals and 13.6% had someone living alone who was 65 years of age or older. The average household size was 2.47 and the average family size was 3.07.
The median age in the city was 33.8 years. 26.4% of residents were under the age of 18; 12.7% were between the ages of 18 and 24; 23.3% were from 25 to 44; 22.7% were from 45 to 64; and 14.8% were 65 years of age or older. The gender makeup of the city was 48.3% male and 51.7% female.
As of the census of 2000, there were 11,963 people, 4,855 households, and 3,102 families residing in the city. The population density was 1,592.5 people per square mile (615.0/km²). There were 5,628 housing units at an average density of 749.2 per square mile (289.3/km²). The racial makeup of the city was 87.15% White, 4.51% African American, 2.69% Native American, 0.64% Asian, 0.02% Pacific Islander, 1.95% from other races, and 3.04% from two or more races. Hispanic or Latino of any race were 4.47% of the population.
There were 4,855 households out of which 30.3% had children under the age of 18 living with them, 48.2% were married couples living together, 11.7% had a female householder with no husband present, and 36.1% were non-families. 31.7% of all households were made up of individuals and 14.9% had someone living alone who was 65 years of age or older. The average household size was 2.36 and the average family size was 2.97.
In the city, the population was spread out with 25.7% under the age of 18, 11.2% from 18 to 24, 24.3% from 25 to 44, 20.9% from 45 to 64, and 17.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 88.3 males. For every 100 females age 18 and over, there were 84.8 males.
The median income for a household in the city was $29,158, and the median income for a family was $39,962. Males had a median income of $30,665 versus $19,919 for females. The per capita income for the city was $15,933. About 12.4% of families and 16.4% of the population were below the poverty line, including 20.5% of those under age 18 and 14.5% of those age 65 or over.
Arkansas City Kansas neighborhoods include: Arkansas City, Cowley
For more information, see Arkansas City Kansas wiki
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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.
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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 Arkansas City Kansas. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In 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.
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.
There are not many people in this world who do not get excited by the prospect of buying a new car. This excitement can sometimes be deflated by the whole finance thing. If your credit history is not so good, or basically non-existent, then you may need to find a bad credit car loan in Arkansas City Kansas.
The fact is buying a car for most people is one of the biggest purchases they will ever make. Owning a car is kind of like a right of passage for a lot of people, and definitely a sign of "coming of age" for most teenagers. Let face it, we all need a reliable car to get around, and most of us would rather drive a nice new or late car than an old bomb. But nice new or late model cars are obviously a lot more expensive than old cars, and that means that most of us will require some sort of finance.
The problem is that if you have a poor credit history, or have not had time to establish a good credit record, then it's going to feel like the whole financial system has it in for you. Unfortunately, banks and most financial or lending businesses do not look favorably on people with no or bad credit histories.
When buying a car, some things to keep in mind may include. If you are planning to buy a used car, get a friendly mechanic to give it a once-over. Keep in mind additional costs such as insurance, registration etc. And most importantly, to enjoy the pride and freedom that owning your own car creates.