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Salina /səˈlaɪnə/ is a city in and the county seat of Saline County, Kansas, United States. As of the 2010 census, the city population was 47,707. Located in one of the world’s largest wheat-producing areas, Salina is a regional trade center for north-central Kansas. It is home to multiple colleges.
Salina is located at 38°50′25″N 97°36′41″W / 38.84028°N 97.61139°W / 38.84028; -97.61139 (38.8402805, -97.6114237) at an elevation of 1,224 feet (373 m). Located in north-central Kansas at the intersection of Interstate 70 and Interstate 135, it is 81 miles (130 km) north of Wichita, Kansas, 164 miles (264 km) west of Kansas City, Missouri, and 401 miles (645 km) east of Denver, Colorado.
Salina lies in the Smoky Hills region of the Great Plains approximately 6 miles (9.7 km) west-southwest of the confluence of the Saline and Smoky Hill Rivers. The Smoky Hill River runs north then northeast through the eastern part of the city; the Saline River flows southeast immediately north of the city. In the northeast part of the city, the old channel of the Smoky Hill branches from the river’s current course and winds west, north, and back east before draining back into the river. Mulberry Creek, a tributary of the Saline, flows northeast through the far northern part of the city. Dry Creek, a tributary of Mulberry Creek, flows north through the western part of the city.
According to the United States Census Bureau, the city has a total area of 25.15 square miles (65.14 km), of which 25.11 square miles (65.03 km) is land and 0.04 square miles (0.10 km) is water.
Salina is the anchor city of the Salina Micropolitan Statistical Area which includes all of Saline and Ottawa counties.
As of the 2010 census, there were 47,707 people, 19,391 households, and 12,024 families residing in the city. The population density was 2,092.4 people per square mile (807.9/km²). There were 20,803 housing units at an average density of 916.4 per square mile (353.2/km²). The racial makeup of the city was 86.2% White, 3.7% African American, 2.3% Asian, 0.5% American Indian, 0.1% Pacific Islander, 3.8% from some other race, and 3.3% from two or more races. Hispanics and Latinos of any race were 10.7% of the population.
There were 19,391 households of which 31.6% had children under the age of 18 living with them, 45.3% were married couples living together, 4.9% had a male householder with no wife present, 11.8% had a female householder with no husband present, and 38.0% were non-families. 31.6% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.39, and the average family size was 2.99.
In the city, the population was spread out with 25.1% of residents under the age of 18; 9.9% between the ages of 18 and 24; 25.4% from 25 to 44; 25.3% from 45 to 64; and 14.3% 65 years of age or older. The median age in the city was 36.4 years. The gender makeup of the city was 49.4% male and 50.6% female.
The median income for a household in the city was $42,027, and the median income for a family was $54,491. Males had a median income of $39,143 versus $28,145 for females. The per capita income for the city was $23,253. About 9.3% of families and 13.6% of the population were below the poverty line, including 21.1% of those under age 18 and 7.3% of those age 65 or over.
As of the census of 2000, there were 45,679 people, 18,523 households, and 11,873 families residing in the city. The population density was 2,009.6 people per square mile (775.9/km²). There were 19,599 housing units at an average density of 862.2 per square mile (332.9/km²). The racial makeup of the city was 87.76% White, 3.57% Black or African American, 0.56% Native American, 1.96% Asian, 0.05% Pacific Islander, 3.78% from other races, and 2.32% from two or more races. Hispanic or Latino of any race were 6.71% of the population.
There were 18,523 households, of which 31.5% had children under the age of 18 living with them, 49.8% were married couples living together, 10.5% had a female householder with no husband present, and 35.9% were non-families. 30.1% of all households were made up of individuals and 11.3% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 2.98.
In the city, the population was spread out with 25.9% under the age of 18, 10.0% from 18 to 24, 28.7% from 25 to 44, 21.1% from 45 to 64, and 14.3% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 95.8 males. For every 100 females age 18 and over, there were 92.8 males.
The median income for a household in the city was $36,066, and the median income for a family was $45,433. Males had a median income of $31,250 versus $21,944 for females. The per capita income for the city was $18,593. About 6.7% of families and 9.6% of the population were below the poverty line, including 10.6% of those under age 18 and 9.2% of those age 65 or over.
Salina Kansas neighborhoods include: 45 Salina, Belmont, Cedar, Central, Country Club, Crawford-Broadway SW, Downtown, E Neal Ave, Golden Eagle, Highlands Meadow Hamlet, Indian Rock, KWU, Lakeview, Magnolia Hills, North Salina, Old 81 Villagers, Park, Prescott, Santa Fe, Simp-Nil-Craw-Schill, Sunrise, Upper Mill Heights, West Schilling, Useful
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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 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.
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 an auto loan with no down payment, don't worry. We can still help you.
Finally, use our auto finance 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 dealership. In order to get the best deal on new car financing, 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 financing a used car. 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 auto loan to buy from a private seller.
Click the button below and fill out our quick and easy application form to get started right away!
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.
We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.
If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan rates.
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 Salina 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.
For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Salina 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.