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Colby is a city in and the county seat of Thomas County, Kansas, United States. As of the 2010 census, the city population was 5,387.
Colby is located at 39°23′32″N 101°02′51″W / 39.392093°N 101.047532°W / 39.392093; -101.047532 (39.392093, -101.047532) at an elevation of 3,159 feet (963 m). It lies on the south side of Prairie Dog Creek, a tributary of the Republican River, in the High Plains region of the Great Plains. A small tributary of the creek flows northeast through the town. Located at the interchange of Interstate 70 and K-25 in northwestern Kansas, Colby is 212 mi (341 km) east-southeast of Denver, 232 mi (373 km) northwest of Wichita, and 347 mi (558 km) west of Kansas City.
According to the United States Census Bureau, the city has a total area of 3.38 square miles (8.75 km), all land.
As of the census of 2010, there were 5,387 people, 2,211 households, and 1,320 families residing in the city. The population density was 1,593.8 inhabitants per square mile (615.4/km). There were 2,423 housing units at an average density of 716.9 per square mile (276.8/km). The racial makeup of the city was 95.7% White, 0.7% African American, 0.4% Native American, 0.6% Asian, 0.1% Pacific Islander, 1.3% from other races, and 1.2% from two or more races. Hispanic or Latino of any race were 4.0% of the population.
There were 2,211 households of which 28.6% had children under the age of 18 living with them, 46.0% were married couples living together, 9.2% had a female householder with no husband present, 4.5% had a male householder with no wife present, and 40.3% were non-families. 33.2% of all households were made up of individuals and 12.2% had someone living alone who was 65 years of age or older. The average household size was 2.28 and the average family size was 2.89.
The median age in the city was 34.5 years. 22.2% of residents were under the age of 18; 16.3% were between the ages of 18 and 24; 21.5% were from 25 to 44; 24.2% were from 45 to 64; and 15.7% were 65 years of age or older. The gender makeup of the city was 48.0% male and 52.0% female.
As of the census of 2000, there were 5,450 people, 2,223 households, and 1,367 families residing in the city. The population density was 1,632.8 people per square mile (630.0/km). There were 2,405 housing units at an average density of 720.5 per square mile (278.0/km). The racial makeup of the city was 96.73% White, 0.64% African American, 0.39% Native American, 0.39% Asian, 0.02% Pacific Islander, 1.01% from other races, and 0.83% from two or more races. Hispanic or Latino of any race were 1.98% of the population.
There were 2,223 households out of which 30.2% had children under the age of 18 living with them, 50.3% were married couples living together, 8.3% had a female householder with no husband present, and 38.5% were non-families. 31.4% of all households were made up of individuals and 12.6% had someone living alone who was 65 years of age or older. The average household size was 2.33 and the average family size was 2.96.
In the city, the population was spread out with 24.1% under the age of 18, 16.4% from 18 to 24, 24.3% from 25 to 44, 19.7% from 45 to 64, and 15.4% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 88.9 males. For every 100 females age 18 and over, there were 84.6 males.
The median income for a household in the city was $34,615, and the median income for a family was $45,127. Males had a median income of $34,097 versus $21,706 for females. The per capita income for the city was $18,872. About 8.1% of families and 12.4% of the population were below the poverty line, including 7.3% of those under age 18 and 9.2% of those age 65 or over.
For more information, see Colby Kansas wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get pre-approved for financing before going to a dealership. By separating bad credit car financing options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step in obtaining instant auto finance 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 need a no down payment auto loan, don't worry. We can still help you.
Finally, use our auto loan payment calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from an auto dealership. In order to get the best deal on a 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 a pre-approved car loan 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 getting a used car loan. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an car loan to buy from a private seller.
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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 buyer, car loans for college students and we are proud to have arranged military car 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.
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If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
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With the state of our world's economy, making monthly payments is getting harder and harder, especially in Colby Kansas. United States job loss totals are higher than they have been in over thirty years. Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.
With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.
The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.
Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.
For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Colby Kansas. No matter the reasons, bad credit can add stress and difficulty to an already stressful financial situation. And for some people, bad credit makes getting a new vehicle very difficult. Here are some reasons people develop bad credit and some ways you can get a vehicle, even if your credit is less than perfect.
Here are just a few common causes of bad credit:
So once you've fallen into a hole of bad credit, how can you get yourself out to buy a new car? To get a new job or to get to work, people need a vehicle for transportation. But to get a new vehicle, credit problems can be difficult to overcome. For many people, this can be a difficult circle to get out of. One solution is to get a new car through a "used car buy here pay here" car lot. These types of dealers specialize in automobile financing for people who are suffering from bad credit or have never established any credit at all. Depending on the dealer, some used car dealerships that finance bad credit not only offer customers with poor credit a chance at getting a perfectly good used vehicle, but they also help them build their credit score back up through consistent payments and a commitment to seeing their customers succeed.
It is always important to research your options before buying a vehicle, but if you are struggling with poor credit or no credit at all, a buy here, pay here (or "tote-the-note") dealer may be your best option. And be sure to look for dealers that offer fair payments and includes a warranty to go with your new used vehicle. You should also make sure they report your payments to the credit. Many used car dealerships for bad credit don't report payments, so you never get a chance to improve your credit.