Getting the best deal on a car loan can be tricky — especially in Louisiana. That’s why you need a partner who knows how to get you approved for the vehicle that you want with no hassle. AllCreditCarLoans network of finance partners can provide quick bad credit auto loans for those whose credit is less than stellar.
Once you apply, we’ll forward your application to the lending partner that is best suited to your needs. They will communicate directly with you to complete the quick loan process. You could get pre-approved for a car loan within minutes after applying.
So, no matter what your credit situation, if you are looking for a quick car loan for bad credit with no hassle, we can help. Apply today and you could be driving your new car tomorrow!
Louisiana (/luˌiːziˈænə/ (listen), /ˌluːzi-/ (listen)) is a state in the Deep South region of the southeastern United States. It is the 31st most extensive and the 25th most populous of the 50 United States. Louisiana is bordered by Arkansas to the north, Mississippi to the east, the Gulf of Mexico to the south, and Texas to the west. A large part of its eastern boundary is demarcated by the Mississippi River. Louisiana is the only U.S. state with political subdivisions termed parishes, which are equivalent to counties. The state’s capital is Baton Rouge, and its largest city is New Orleans.
Louisiana is bordered to the west by Texas; to the north by Arkansas; to the east by Mississippi; and to the south by the Gulf of Mexico.
The state may properly be divided into two parts, the uplands of the north, and the alluvial along the coast.
The alluvial region includes low swamp lands, coastal marshlands and beaches, and barrier islands that cover about 20,000 square miles (52,000 km). This area lies principally along the Gulf of Mexico and the Mississippi River, which traverses the state from north to south for a distance of about 600 mi (970 km)) and empties into the Gulf of Mexico; the Red River; the Ouachita River and its branches; and other minor streams (some of which are called bayous).
The breadth of the alluvial region along the Mississippi is from 10 to 60 miles (15 to 100 km), and along the other rivers, the alluvial region averages about 10 miles (15 km) across. The Mississippi River flows along a ridge formed by its own natural deposits (known as a levee), from which the lands decline toward a river beyond at an average fall of six feet per mile (3 m/km). The alluvial lands along other streams present similar features.
The higher and contiguous hill lands of the north and northwestern part of the state have an area of more than 25,000 square miles (65,000 km). They consist of prairie and woodlands. The elevations above sea level range from 10 feet (3 m) at the coast and swamp lands to 50 and 60 feet (15–18 m) at the prairie and alluvial lands. In the uplands and hills, the elevations rise to Driskill Mountain, the highest point in the state at only 535 feet (163 m) above sea level. From years 1932 to 2010 the state lost 1,800 sq. miles due to rises in sea level and erosion. The Louisiana Coastal Protection and Restoration Authority (CPRA) spends around $1 billion per year to help shore up and protect Louisiana shoreline and land in both federal and state funding.
Besides the waterways already named, there are the Sabine, forming the western boundary; and the Pearl, the eastern boundary; the Calcasieu, the Mermentau, the Vermilion, Bayou Teche, the Atchafalaya, the Boeuf, Bayou Lafourche, the Courtableau River, Bayou D’Arbonne, the Macon River, the Tensas, Amite River, the Tchefuncte, the Tickfaw, the Natalbany River, and a number of other smaller streams, constituting a natural system of navigable waterways, aggregating over 4,000 miles (6,400 km) long.
The state also has political jurisdiction over the approximately 3-mile (4.8 km)-wide portion of subsea land of the inner continental shelf in the Gulf of Mexico. Through a peculiarity of the political geography of the United States, this is substantially less than the 9-mile (14 km)-wide jurisdiction of nearby states Texas and Florida, which, like Louisiana, have extensive Gulf coastlines.
The southern coast of Louisiana in the United States is among the fastest-disappearing areas in the world. This has largely resulted from human mismanagement of the coast (see Wetlands of Louisiana). At one time, the land was added to when spring floods from the Mississippi River added sediment and stimulated marsh growth; the land is now shrinking. There are multiple causes.
Artificial levees block spring flood water that would bring fresh water and sediment to marshes. Swamps have been extensively logged, leaving canals and ditches that allow saline water to move inland. Canals dug for the oil and gas industry also allow storms to move sea water inland, where it damages swamps and marshes. Rising sea waters have exacerbated the problem. Some researchers estimate that the state is losing a land mass equivalent to 30 football fields every day. There are many proposals to save coastal areas by reducing human damage, including restoring natural floods from the Mississippi. Without such restoration, coastal communities will continue to disappear. And as the communities disappear, more and more people are leaving the region. Since the coastal wetlands support an economically important coastal fishery, the loss of wetlands is adversely affecting this industry.
The United States Census Bureau estimates that the population of Louisiana was 4,670,724 on July 1, 2015, a 3.03% increase since the 2010 United States Census. The population density of the state is 104.9 people per square mile.
The center of population of Louisiana is located in Pointe Coupee Parish, in the city of New Roads.
According to the 2010 United States Census, 5.4% of the population aged 5 and older spoke Spanish at home, up from 3.5% in 2000; and 4.5% spoke French (including Louisiana French and Louisiana Creole), down from 4.8% in 2000.
According to the US census estimates, the population of Louisiana in 2014 was:
The major ancestry groups of Louisiana are African American (30.4%), French (16.8%), American (9.5%), German (8.3%), Irish (7.5%), English (6.6%), Italian (4.8%) and Scottish (1.1%).
As of 2011, 49.0% of Louisiana’s population younger than age 1 were minorities.
The largest denominations by number of adherents in 2010 were the Catholic Church with 1,200,900; Southern Baptist Convention with 709,650; and the United Methodist Church with 146,848. Non-denominational Evangelical Protestant congregations had 195,903 members.
As in other Southern states, the majority of Louisianians, particularly in the north of the state, belong to various Protestant denominations, with Protestants comprising 57% of the state’s adult population. Protestants are concentrated in the northern and central parts of the state and in the northern tier of the Florida Parishes. Because of French and Spanish heritage, and their descendants the Creoles, and later Irish, Italian, Portuguese and German immigrants, southern Louisiana and the greater New Orleans area are predominantly Catholic.
Since Creoles were the first settlers, planters and leaders of the territory, they have traditionally been well represented in politics. For instance, most of the early governors were Creole Catholics. Because Catholics still constitute a significant fraction of Louisiana’s population, they have continued to be influential in state politics. As of 2008 both Senators and the Governor were Catholic. The high proportion and influence of the Catholic population makes Louisiana distinct among Southern states.
Jewish communities are established in the state’s larger cities, notably New Orleans and Baton Rouge. The most significant of these is the Jewish community of the New Orleans area. In 2000, before the 2005 Hurricane Katrina, its population was about 12,000. Louisiana was among the southern states with a significant Jewish population before the 20th century; Virginia, South Carolina, and Georgia also had influential Jewish populations in some of their major cities from the 18th and 19th centuries. The earliest Jewish colonists were Sephardic Jews who immigrated with English colonists from London. Later in the 19th century, German Jews began to immigrate, followed by those from eastern Europe and the Russian Empire in the late 19th and early 20th centuries.
Prominent Jews in Louisiana’s political leadership have included Whig (later Democrat) Judah P. Benjamin (1811–1884), who represented Louisiana in the U.S. Senate before the American Civil War and then became the Confederate Secretary of State; Democrat-turned-Republican Michael Hahn who was elected as governor, serving 1864–1865 when Louisiana was occupied by the Union Army, and later elected in 1884 as a US Congressman; Democrat Adolph Meyer (1842–1908), Confederate Army officer who represented the state in the U.S. House from 1891 until his death in 1908; Republican Secretary of State Jay Dardenne (1954–), and Republican (Democrat before 2011) Attorney General Buddy Caldwell (1946–).
Lousiana neighborhoods include: Abbeville, Addis, Alexandria, Ama, Anacoco, Angie, Arnaudville, Avondale, Ball, Barataria, Barksdale Afb, Basile, Bastrop, Baton Rouge, Belcher, Bell City, Belle Chasse, Belmont, Benton, Bethany, Bogalusa, Bonita, Bossier City, Bourg, Boyce, Braithwaite, Branch, Breaux Bridge, Bridge City, Broussard, Bunkie, Buras, Calhoun, Carencro, Carville, Center Point, Chauvin, Cheneyville, Choudrant, Church Point, Clifton, Colfax, Collinston, Columbia, Converse, Cottonport, Cotton Valley, Coushatta, Covington, Crowley, Darrow, Dequincy, Deville, Donaldsonville, Downsville, Doyline, Dry Prong, Dulac, Duson, Effie, Egan, Elmer, Elm Grove, Erath, Eros, Eunice, Evangeline, Evergreen, Fisher, Flatwoods, Florien, Folsom, Forest Hill, Franklinton, Frierson, Geismar, Gibson, Gilliam, Glenmora, Gonzales, Grand Isle, Gray, Greenwood, Gretna, Grosse Tete, Harahan, Harvey, Haughton, Hessmer, Hineston, Hornbeck, Hosston, Houma, Ida, Iota, Iowa, Jackson, Jennings, Jones, Keatchie, Keithville, Kenner, Lafayette, Lafitte, Lake Charles, Lecompte, Leesville, Lena, Lockport, Madisonville, Mandeville, Mansura, Many, Maringouin, Marksville, Marrero, Marthaville, Maurepas, Maurice, Mer Rouge, Metairie, Monroe, Montegut, Mooringsport, Mora, Moreauville, Morgan City, Morrow, Morse, Moss Bluff, Mount Hermon, New Iberia, New Orleans, Noble, Oakdale, Oak Grove, Oak Ridge, Oil City, Otis, Parks, Pierre Part, Pineville, Pitkin, Plain Dealing, Plaquemine, Plaucheville, Pleasant Hill, Pollock, Port Allen, Port Sulphur, Prairieville, Princeton, Provencal, Ragley, Rayne, River Ridge, Robeline, Rodessa, Rosedale, Saint Amant, Saint Francisville, Saint Gabriel, Saint Martinville, Schriever, Scott, Shreveport, Sieper, Simmesport, Slidell, Sorrento, Springhill, Starks, Sterlington, Stonewall, Sulphur, Sunset, Sunshine, Terrytown, Theriot, Thibodaux, Varnado, Venice, Ville Platte, Vinton, Vivian, Westlake, West Monroe, Westwego, White Castle, Woodworth, Youngsville, Zachary, Zwolle
For more information, see Lousiana 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.
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 a online car credit that is suited to your needs and budget.
We specialize in:
We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto 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 auto loans and helping borrowers to obtain car loans 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 used car lots, used car dealership for bad credit, 2nd chance auto dealers and other used car 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!
Getting bad credit car or truck loans can present a problem, especially in Louisiana. There are companies that offer bad credit car loans for people who have filed for bankruptcy, have slow pay history or other severe credit problems. With these companies, 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.
Obtaining car financing with bad credit can have a positive impact on your credit history if handled correctly. If you have a job that can be verified, and if you are not currently in the process of filing for bankruptcy, then you can more than likely get a bad credit car loan.
Fill out our quick and easy one-page application form and get pre-approved for a car before you go to the dealership. Now is not the time to be shy. Your credit may be spotty but you have the opportunity to get a car and improve your credit at the same time. Once you get a pre-approval for car loans for bad credit, you will feel confident before you walk into a dealership.
Bad credit did not happen overnight. Fixing bad credit takes time and persistence. Today you need a bad credit car loan but if you pay the payment in a timely manner, your next car loan can be on your terms.
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 Louisiana. 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.