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Clay Center is a city in and the county seat of Clay County, Kansas, United States. As of the 2010 census, the city population was 4,334.
Clay Center is located at 39°22′48″N 97°7′23″W / 39.38000°N 97.12306°W / 39.38000; -97.12306 (39.379920, -97.123168). According to the United States Census Bureau, the city has a total area of 3.08 square miles (7.98 km), all of it land. Clay Center is unique, because it is the geographic midpoint between Los Angeles, California and New York City, the two largest American cities. Both cities are exactly 1,224 mi (1,970 km) from Clay Center.
As of the census of 2010, there were 4,334 people, 1,920 households, and 1,172 families residing in the city. The population density was 1,407.1 inhabitants per square mile (543.3/km). There were 2,158 housing units at an average density of 700.6 per square mile (270.5/km). The racial makeup of the city was 96.9% White, 0.5% African American, 0.6% Native American, 0.3% Asian, 0.4% from other races, and 1.3% from two or more races. Hispanic or Latino of any race were 1.8% of the population.
There were 1,920 households of which 27.0% had children under the age of 18 living with them, 48.8% were married couples living together, 8.2% had a female householder with no husband present, 4.0% had a male householder with no wife present, and 39.0% were non-families. 35.0% of all households were made up of individuals and 20.1% had someone living alone who was 65 years of age or older. The average household size was 2.21 and the average family size was 2.82.
The median age in the city was 44.5 years. 22.5% of residents were under the age of 18; 6.6% were between the ages of 18 and 24; 21.4% were from 25 to 44; 25.8% were from 45 to 64; and 23.7% were 65 years of age or older. The gender makeup of the city was 48.6% male and 51.4% female.
As of the census of 2000, there were 4,564 people, 1,979 households, and 1,258 families residing in the city. The population density was 1,762.4 people per square mile (680.4/km²). There were 2,191 housing units at an average density of 846.0 per square mile (326.6/km²). The racial makeup of the city was 97.98% White, 0.64% African American, 0.33% Native American, 0.20% Asian, 0.07% from other races, and 0.79% from two or more races. Hispanic or Latino of any race were 0.53% of the population.
There were 1,979 households out of which 27.0% had children under the age of 18 living with them, 52.6% were married couples living together, 7.2% had a female householder with no husband present, and 36.4% were non-families. 33.4% of all households were made up of individuals and 19.7% had someone living alone who was 65 years of age or older. The average household size was 2.24 and the average family size was 2.83.
In the city, the population was spread out with 23.0% under the age of 18, 7.3% from 18 to 24, 22.0% from 25 to 44, 22.5% from 45 to 64, and 25.1% who were 65 years of age or older. The median age was 43 years. For every 100 females, there were 94.0 males. For every 100 females age 18 and over, there were 88.7 males.
The median income for a household in the city was $31,531, and the median income for a family was $45,567. Males had a median income of $29,526 versus $16,149 for females. The per capita income for the city was $19,128. About 5.9% of families and 9.8% of the population were below the poverty line, including 12.5% of those under age 18 and 10.0% of those age 65 or over.
Clay Center Kansas neighborhoods include: Clay
For more information, see Clay Center Kansas wiki
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.
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.
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 an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
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 bad credit 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 an auto loan pre-approval 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 no down payment 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 get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
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.
We specialize in:
We can help with an auto loan for a first-time auto buyer, car loans for students and we are proud to have arranged car loans for military 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 an auto with their ITIN number.
We also specialize in subprime car loans including auto financing after bankruptcy and helping borrowers to obtain auto loans for repossessions.
If you are looking for auto title loans or poor credit car refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best used buy here pay here car lots, used car bad credit dealerships, 2nd chance auto sales and other used cars bad credit no down payment dealerships to provide the best auto loan rates for used cars.
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!
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 Clay Center 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.
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 Clay Center Kansas 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. All 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.
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.
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.