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Gardner is a city in Johnson County, Kansas, United States. As of the 2010 census, the city population was 19,123. It is located in the Kansas City metropolitan area.
Gardner is located at 38°48′45″N 94°55′7″W / 38.81250°N 94.91861°W / 38.81250; -94.91861 (38.812367, -94.918621). According to the United States Census Bureau, the city has a total area of 10.21 square miles (26.44 km), of which 10.16 square miles (26.31 km) is land and 0.05 square miles (0.13 km) is water.
As of the census of 2010, there were 19,123 people, 6,644 households, and 4,938 families residing in the city. The population density was 1,889.6 inhabitants per square mile (729.6/km). There were 7,300 housing units at an average density of 721.3 per square mile (278.5/km). The racial makeup of the city was 89.7% White, 3.0% African American, 0.5% Native American, 1.9% Asian, 1.8% from other races, and 3.0% from two or more races. Hispanic or Latino of any race were 6.2% of the population.
There were 6,644 households of which 49.7% had children under the age of 18 living with them, 58.9% were married couples living together, 10.3% had a female householder with no husband present, 5.1% had a male householder with no wife present, and 25.7% were non-families. 20.1% of all households were made up of individuals and 5% had someone living alone who was 65 years of age or older. The average household size was 2.85 and the average family size was 3.31.
The median age in the city was 30 years. 33.2% of residents were under the age of 18; 6.6% were between the ages of 18 and 24; 37.7% were from 25 to 44; 17.1% were from 45 to 64; and 5.3% were 65 years of age or older. The gender makeup of the city was 49.9% male and 50.1% female.
As of the census of 2000, there were 9,396 people, 3,307 households, and 2,460 families residing in the city. The population density was 1,898.5 people per square mile (732.9/km²). There were 3,533 housing units at an average density of 713.8 per square mile (275.6/km²). The racial makeup of the city was 94.13% White, 1.21% African American, 0.49% Native American, 1.05% Asian, 0.01% Pacific Islander, 1.26% from other races, and 1.85% from two or more races. Hispanic or Latino of any race were 2.99% of the population. 26.8% were of German, 18.2% American, 11.5% Irish and 5.6% English ancestry according to Census 2000.
There were 3,307 households out of which 47.8% had children under the age of 18 living with them, 58.5% were married couples living together, 11.1% had a female householder with no husband present, and 25.6% were non-families. 19.5% of all households were made up of individuals and 5.6% had someone living alone who was 65 years of age or older. The average household size was 2.80 and the average family size was 3.23.
In the city, the population was spread out with 33.1% under the age of 18, 8.4% from 18 to 24, 38.4% from 25 to 44, 13.7% from 45 to 64, and 6.4% who were 65 years of age or older. The median age was 29 years. For every 100 females, there were 96.9 males. For every 100 females age 18 and over, there were 93.7 males.
As of 2000 the median income for a household in the city was $50,807, and the median income for a family was $54,554. Males had a median income of $37,438 versus $27,553 for females. The per capita income for the city was $20,434. About 5.3% of families and 6.0% of the population were below the poverty line, including 6.1% of those under age 18 and 9.2% of those age 65 or over.
For more information, see Gardner 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 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.
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Are you in need of a new car, but are afraid it's impossible because of your bad credit? Well, the fact is that today, consumers with bad credit have a wide variety of options available to them in regards to bad credit auto loans, especially in Gardner Kansas. In fact, 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.
If you have bad credit, the first thing that I would recommend is to find out more about your own financial situation. What is your exact credit score (FICO) with the three credit agencies (Experian, TransUnion, and Equifax)? You can find this information by visiting a free credit report service website where you can place an order for a free yearly credit report. The credit report has everything but the credit score. You have to pay extra to get the scores, but it is worth it. It is valuable information to have on hand in your search for the best auto loan deal. With this information, you can do quite a few things to help yourself.
The first thing you need to do when you examine your credit report is to look for errors. Correcting errors can help bring up your credit score some. Another way to increase credit score is to have a friend, or relative, with good credit add you as an authorized user to their credit cards. This connects their good credit history to yours. If you simply don't know what to do, there are credit repair companies that can help clean up your credit report. I have used a credit repair company in the past and was very pleased with the results.
When it is all said and done, a person with poor credit does have many options available. It is just a matter of doing the research and keeping an eye out for the best deal available. Your dream car is within reach, and having bad credit shouldn't hold you back.
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 Gardner Kansas. 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.
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.
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!
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.
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.
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.