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Liberal is the county seat of Seward County, Kansas, United States. As of the 2010 census, the city population was 20,525.
Liberal is located at 37°2′36″N 100°55′41″W / 37.04333°N 100.92806°W / 37.04333; -100.92806 (37.043418, −100.928133) at an elevation of 2,835 feet (864 m). Located in southwestern Kansas at the intersection of U.S. Route 83 and U.S. Route 54, Liberal is 140 miles (225 km) north-northeast of Amarillo, Texas, 202 mi (325 km) west-southwest of Wichita, and 288 mi (463 km) southeast of Denver, Colorado.
The city lies approximately 10 miles (16 km) southwest of the Cimarron River in the High Plains region of the Great Plains.
According to the United States Census Bureau, the city has a total area of 11.75 square miles (30.43 km), of which 11.61 square miles (30.07 km) is land and 0.14 square miles (0.36 km) is water.
As of the 2010 census, there were 20,525 people, 6,623 households, and 4,838 families residing in the city. The population density was 1,832.6 people per square mile (707.6/km²). There were 7,118 housing units at an average density of 641.3 per square mile (248.9/km²). The racial makeup of the city was 68.6% White, 3.7% African American, 2.9% Asian, 0.8% American Indian, 0.2% Pacific Islander, 20.6% from other races, and 3.2% from two or more races. Hispanics and Latinos of any race made up 58.7% of the population.
There were 6,623 households of which 42.3% had children under the age of 18 living with them, 52.7% were married couples living together, 7.1% had a male householder with no wife present, 13.2% had a female householder with no husband present, and 27.0% were non-families. 21.7% of all households were made up of individuals, and 7.5% had someone living alone who was 65 years of age or older. The average household size was 3.03, and the average family size was 3.54.
The median age was 28.4 years. 32.1% of residents were under the age of 18; 12.4% were between the ages of 18 and 24; 27.8% were from 25 to 44; 19.4% were from 45 to 64; and 8.3% were 65 years of age or older. The gender makeup of the city population was 51.4% male and 48.6% female.
The median income for a household in the city was $40,247, and the median income for a family was $44,167. Males had a median income of $31,435 versus $25,208 for females. The per capita income for the city was $17,668. About 15.3% of families and 17.8% of the population were below the poverty line, including 23.6% of those under age 18 and 8.2% of those age 65 or over.
As of the census of 2000, there were 19,666 people, 6,498 households, and 4,756 families residing in the city. The population density was 1,778.4 people per square mile (686.5/km²). There were 7,014 housing units at an average density of 634.3 per square mile (244.9/km²). The racial makeup of the city was 63.56% White, 4.21% African American, 0.72% Native American, 3.25% Asian, 0.06% Pacific Islander, 23.93% from other races, and 3.27% from two or more races. 43.30% of the population were Hispanic or Latino of any race.
There were 6,498 households out of which 42.8% had children under the age of 18 living with them, 58.0% were married couples living together, 10.4% had a female householder with no husband present, and 26.8% were non-families. 21.3% of all households were made up of individuals and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.96 and the average family size was 3.46.
In the city, the population was spread out with 31.7% under the age of 18, 12.1% from 18 to 24, 30.5% from 25 to 44, 16.7% from 45 to 64, and 9.1% who were 65 years of age or older. The median age was 29 years. For every 100 females, there were 104.6 males. For every 100 females age 18 and over, there were 103.3 males.
The median income for a household in the city was $36,482, and the median income for a family was $41,134. Males had a median income of $29,315 versus $22,017 for females. The per capita income for the city was $15,108. About 14.3% of families and 17.7% of the population were below the poverty line, including 21.8% of those under age 18 and 7.6% of those age 65 or over.
Liberal Kansas neighborhoods include: Abbyville, Abilene, Admire, Agenda, Albert, Alden, Allen, Alma, Altamont, Alta Vista, Altoona, Americus, Andale, Andover, Arcadia, Arkansas City, Arlington, Arma, Ashland, Assaria, Atchison, Atlanta, Auburn, Augusta, Aurora, Axtell, Baileyville, Baldwin City, Barnes, Bartlett, Basehor, Baxter Springs, Bel Aire, Belleville, Beloit, Belvidere, Belvue, Bendena, Benedict, Bennington, Bentley, Benton, Bern, Berryton, Bison, Blaine, Bloom, Blue Mound, Bonner Springs, Bronson, Brookville, Bucyrus, Buffalo, Buhler, Bunker Hill, Burden, Burdett, Burlingame, Burlington, Burns, Burrton, Bushton, Cambridge, Canton, Carbondale, Carlton, Cassoday, Catharine, Cawker City, Cedar Vale, Centerville, Centralia, Chanute, Chapman, Chase, Cheney, Cherokee, Cherryvale, Chetopa, Cimarron, Circleville, Claflin, Clay Center, Clearwater, Clifton, Climax, Clyde, Coffeyville, Colony, Columbus, Colwich, Concordia, Copeland, Corning, Courtland, Crestline, Cuba, Deerfield, Delia, Delphos, Denison, Dennis, Denton, Derby, De Soto, Dexter, Dighton, Dorrance, Douglass, Dundee, Dwight, Eastborough, Easton, Edgerton, Edna, Edwardsville, El Dorado, Ellinwood, Ellis, Elsmore, Emmett, Emporia, Englewood, Ensign, Enterprise, Erie, Eskridge, Eudora, Eureka, Fairway, Fall River, Falun, Farlington, Fontana, Fort Leavenworth, Fort Riley, Fort Scott, Fowler, Franklin, Fredonia, Frontenac, Fulton, Galena, Galesburg, Galva, Garden City, Garden Plain, Gardner, Garfield, Garland, Garnett, Geneseo, Geuda Springs, Girard, Glasco, Glen Elder, Goddard, Goff, Gorham, Grantville, Great Bend, Greeley, Green, Greensburg, Greenwich, Gridley, Gypsum, Haddam, Halstead, Hamilton, Hartford, Harveyville, Haven, Havensville, Haviland, Hays, Haysville, Heizer, Hepler, Herington, Hesston, Highland, Hoisington, Holcomb, Holton, Hope, Horton, Hoyt, Humboldt, Hunter, Hutchinson, Ingalls, Inman, Iola, Jamestown, Junction City, Kansas City, Kechi, Kincaid, Lacygne, La Harpe, Lake Quivira, Lancaster, Lane, Langdon, Lansing, Larned, Latham, Latimer, Lawrence, Leavenworth, Leawood, Lebo, Lecompton, Lenexa, Leon, Leona, Leonardville, Le Roy, Lindsborg, Linn Valley, Linwood, Little River, Longford, Louisburg, Louisville, Lucas, Luray, Lyndon, Lyons, Madison, Mahaska, Maize, Manhattan, Maple City, Maple Hill, Mapleton, Marquette, Mayetta, McConnell Afb, Mc Cracken, Mc Cune, Mc Louth, McPherson, Meade, Melvern, Meriden, Merriam, Milford, Milton, Miltonvale, Minneapolis, Minneola, Mission, Mission Hills, Mission Woods, Montezuma, Moran, Morganville, Mound City, Moundridge, Mound Valley, Mount Hope, Mulberry, Mullinville, Mulvane, Munden, Muscotah, Narka, Natoma, Neodesha, Neosho Falls, Neosho Rapids, Netawaka, New Albany, New Cambria, New Century, New Strawn, Newton, Nickerson, North Newton, Nortonville, Norway, Odin, Ogden, Olathe, Olmitz, Olpe, Olsburg, Onaga, Oneida, Osage City, Osawatomie, Oskaloosa, Oswego, Ottawa, Overbrook, Overland Park, Oxford, Ozawkie, Palmer, Paola, Paradise, Park City, Parker, Parkerfield, Parsons, Partridge, Pawnee Rock, Paxico, Peabody, Peck, Perry, Petrolia, Pfeifer, Piedmont, Pierceville, Pittsburg, Plains, Plainville, Pleasanton, Plevna, Pomona, Potwin, Prairie Village, Prescott, Preston, Pretty Prairie, Princeton, Quenemo, Ramona, Randolph, Rantoul, Raymond, Reading, Redfield, Republic, Richmond, Riley, Riverton, Robinson, Rock, Roeland Park, Rosalia, Rose Hill, Rossville, Roxbury, Rozel, Russell, Sabetha, Saint George, Saint Marys, Saint Paul, Salina, Savonburg, Scammon, Scandia, Schoenchen, Scott City, Scranton, Sedgwick, Seneca, Severy, Shawnee, Silver Lake, Simpson, Smolan, Soldier, Solomon, South Hutchinson, Spring Hill, Stark, Sterling, Stilwell, Susank, Sylvia, Syracuse, Talmage, Tecumseh, Tescott, Thayer, Tipton, Tonganoxie, Topeka, Toronto, Towanda, Treece, Troy, Turon, Udall, Uniontown, Valley Center, Valley Falls, Vassar, Vermillion, Victoria, Viola, Virgil, Wakarusa, Wakefield, Waldo, Walker, Walnut, Walton, Wamego, Wathena, Waverly, Weir, Wellsville, Westmoreland, Westphalia, Westwood, Westwood Hills, Wetmore, White Cloud, Whitewater, Whiting, Wichita, Williamsburg, Wilson, Winchester, Windom, Winfield, Woodbine
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AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step in obtaining auto financing 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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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 Liberal 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.
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 Liberal 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.