The Best Mississippi Car Loans – MS

Mississippi Car Loans

Looking For A Car Loan in Mississippi?

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Mississippi (/ˌmɪsɪˈsɪpi/ (listen)) is a state located in the southeastern region of the United States. Mississippi is the 32nd most extensive and 34th most populous of the 50 United States. It is bordered by Tennessee to the north, Alabama to the east, the Gulf of Mexico and Louisiana to the south, and Arkansas and Louisiana to the west. The state’s western boundary is largely defined by the Mississippi River. Jackson, with a population of approximately 175,000 people, is both the state’s capital and largest city.

Geography

Mississippi is bordered to the north by Tennessee, to the east by Alabama, to the south by Louisiana and a narrow coast on the Gulf of Mexico; and to the west, across the Mississippi River, by Louisiana and Arkansas.

In addition to its namesake, major rivers in Mississippi include the Big Black River, the Pearl River, the Yazoo River, the Pascagoula River, and the Tombigbee River. Major lakes include Ross Barnett Reservoir, Arkabutla Lake, Sardis Lake, and Grenada Lake with the largest lake being Sardis Lake.

Mississippi is entirely composed of lowlands, the highest point being Woodall Mountain, in the foothills of the Cumberland Mountains, 807 feet (246 m) above sea level. The lowest point is sea level at the Gulf Coast. The state’s mean elevation is 300 feet (91 m) above sea level.

Most of Mississippi is part of the East Gulf Coastal Plain. The coastal plain is generally composed of low hills, such as the Pine Hills in the south and the North Central Hills. The Pontotoc Ridge and the Fall Line Hills in the northeast have somewhat higher elevations. Yellow-brown loess soil is found in the western parts of the state. The northeast is a region of fertile black earth that extends into the Alabama Black Belt.

The coastline includes large bays at Bay St. Louis, Biloxi, and Pascagoula. It is separated from the Gulf of Mexico proper by the shallow Mississippi Sound, which is partially sheltered by Petit Bois Island, Horn Island, East and West Ship Islands, Deer Island, Round Island, and Cat Island.

The northwest remainder of the state consists of the Mississippi Delta, a section of the Mississippi Alluvial Plain. The plain is narrow in the south and widens north of Vicksburg. The region has rich soil, partly made up of silt which had been regularly deposited by the flood waters of the Mississippi River.

Areas under the management of the National Park Service include:

Demographics

The center of population of Mississippi is located in Leake County, in the town of Lena.

The United States Census Bureau estimates that the population of Mississippi was 2,992,333 on July 1, 2015, a 0.84% increase since the 2010 United States Census. The state’s economist characterized the state as losing population as job markets elsewhere have caused 3.2 per 1000 to migrate recently.

From 2000 to 2010, the United States Census Bureau reported that Mississippi had the highest rate of increase in people identifying as mixed-race, up 70 percent in the decade; it amounts to a total of 1.1 percent of the population. In addition, Mississippi led the nation for most of the last decade in the growth of mixed marriages among its population. The total population has not increased significantly, but is young. Some of the above change in identification as mixed race is due to new births. But, it appears mostly to reflect those residents who have chosen to identify as more than one race, who in earlier years may have identified by just one ethnicity. A binary racial system had been in place since slavery times and the days of racial segregation. In the civil rights era, people of African descent banded together in an inclusive community to achieve political power and gain restoration of their civil rights.

As the demographer William Frey noted, “In Mississippi, I think it’s [identifying as mixed race] changed from within.” Historically in Mississippi, after Indian removal in the 1830s, the major groups were designated as black (African American), who were then mostly enslaved, and white (primarily European American). Matthew Snipp, also a demographer, commented on the increase in the 21st century in the number of people identifying as being of more than one race: “In a sense, they’re rendering a more accurate portrait of their racial heritage that in the past would have been suppressed.”

After having comprised a majority of the state’s population since well before the Civil War and through the 1930s, today African Americans comprise approximately 37 percent of the state’s population. Most have ancestors who were enslaved, with many forcibly transported from the Upper South in the 19th century to work on the area’s new plantations. Some of these slaves were mixed race, with European ancestors, as there were many children born into slavery with white fathers. Some also have Native American ancestry. During the first half of the 20th century, a total of nearly 400,000 African Americans left the state during the Great Migration, for opportunities in the North, Midwest and West. They became a minority in the state for the first time since early in its development.

The state has had conservative laws related to sexuality. The state’s sodomy law criminalized consensual sex between adults of the same gender until 2003 (but was seldom enforced), when such laws were voided by the Supreme Court case Lawrence v. Texas. In 2004, voters in Mississippi approved Amendment 1, amending the state’s constitution to prohibit same-sex marriage; the measure passed with 86% of the vote, the highest margin of victory in the nation. This law was overturned by Obergefell v. Hodges (2015), the decision of the U.S. Supreme Court making same-sex marriage a constitutional right.

Despite conservative laws, same-sex couples were forming families in the state. According to the 2010 census, approximately 33% of households led by same-sex couples in Mississippi included at least one child, the highest such percentage in the nation.

At the 2010 U.S. census, the racial makeup of the population was:

Ethnically, 2.7% of the total population, among all racial groups, was of Hispanic or Latino origin (they may be of any race). As of 2011, 53.8% of Mississippi’s population younger than age 1 were minorities, meaning that they had at least one parent who was not non-Hispanic white. For more information on racial and ethnic classifications in the United States see race and ethnicity in the United States Census.

Americans of Scots-Irish, English and Scottish ancestry are present throughout the state. It is believed that there are more people with such ancestry than identify as such on the census, in part because their immigrant ancestors are more distant in their family histories. English, Scottish and Scots-Irish are generally the most under-reported ancestry groups in both the South Atlantic States and the East South Central States. The historian David Hackett Fischer estimated that a minimum 20% of Mississippi’s population is of English ancestry, though the figure is probably much higher, and another large percentage is of Scottish ancestry. Many Mississippians of such ancestry identify simply as American on questionnaires, because their families have been in North America for centuries. In the 1980 census 656,371 Mississippians of a total of 1,946,775 identified as being of English ancestry, making them 38% of the state at the time.

The state in 2010 had the highest proportion of African Americans in the nation. The African-American percentage of population has begun to increase due mainly to a younger population than the whites (the total fertility rates of the two races are approximately equal). Due to patterns of settlement and whites putting their children in private schools, in almost all of Mississippi’s public school districts, a majority of students are African American. African Americans are the majority ethnic group in the northwestern Yazoo Delta, and the southwestern and the central parts of the state. These are areas where, historically, African Americans owned land as farmers in the 19th century following the Civil War, or worked on cotton plantations and farms.

People of French Creole ancestry form the largest demographic group in Hancock County on the Gulf Coast. The African-American; Choctaw, mostly in Neshoba County; and Chinese-American portions of the population are also almost entirely native born.

Chinese came to Mississippi as indentured laborers from Cuba during the 1870s, with others coming from mainland China in the later 19th century. The majority entering the state immigrated directly from China to Mississippi between 1910 and 1930, when they were recruited by planters as laborers. While most first worked as sharecroppers, the Chinese worked as families to improve their lives. Many became small merchants and especially grocers in small towns throughout the Delta. In these roles, the ethnic Chinese carved out a niche in the state between black and white, where they were concentrated in the Delta. These small towns have declined since the late 20th century, and many ethnic Chinese have joined the exodus to larger cities, including Jackson. Their population in the state overall has increased in the 21st century.

In the early 1980s many Vietnamese immigrated to Mississippi and other states along the Gulf of Mexico, where they became employed in fishing-related work.

In 2000, 96.4% of Mississippi residents five years old and older spoke only English in the home, a decrease from 97.2% in 1990. English is largely Southern American English, with some South Midland speech in northern and eastern Mississippi. There is a common absence of final /r/ and the lengthening and weakening of the diphthongs /aɪ/ and /ɔɪ/ as in ‘ride’ and ‘oil’. South Midland terms in northern Mississippi include: tow sack (burlap bag), dog irons (andirons), plum peach (clingstone peach), snake doctor (dragonfly), and stone wall (rock fence).

Under French and Spanish rule beginning in the 17th century, European colonists were mostly Roman Catholics. The growth of the cotton culture after 1815 brought in tens of thousands of Anglo-American settlers each year, most of whom were Protestants from Southeastern states. Due to such migration, there was rapid growth in the number of Protestant churches, especially Methodist, Presbyterian and Baptist.

The revivals of the Great Awakening in the late 18th and early 19th centuries initially attracted the “plain folk” by reaching out to all members of society, including women and blacks. Both slaves and free blacks were welcomed into Methodist and Baptist churches. Independent black Baptist churches were established before 1800 in Virginia, Kentucky, South Carolina and Georgia, and later developed in Mississippi as well.

In the post-Civil War years, religion became more influential as the South became known as the “Bible Belt”.

Since the 1970s, fundamentalist conservative churches have grown rapidly, fueling Mississippi’s conservative political trends among whites. In 1973 the Presbyterian Church in America attracted numerous conservative congregations. As of 2010 Mississippi remained a stronghold of the denomination, which originally was brought by Scots immigrants. The state has the highest adherence rate of the PCA in 2010, with 121 congregations and 18,500 members. It is among the few states where the PCA has higher membership than the PC(USA).
According to the Association of Religion Data Archives (ARDA), in 2010 the Southern Baptist Convention had 907,384 adherents and was the largest religious denomination in the state, followed by the United Methodist Church with 204,165, and the Roman Catholic Church with 112,488. Other religions have a small presence in Mississippi; as of 2010, there were 5,012 Muslims; 4,389 Hindus; and 816 Bahá’í.

Public opinion polls have consistently ranked Mississippi as the most religious state in the United States, with 59% of Mississippians considering themselves “very religious”. The same survey also found that 11% of the population were non-Religious. In a 2009 Gallup poll, 63% of Mississippians said that they attended church weekly or almost weekly – the highest percentage of all states (U.S. average was 42%, and the lowest percentage was in Vermont at 23%). Another 2008 Gallup poll found that 85% of Mississippians considered religion an important part of their daily lives, the highest figure among all states (U.S. average 65%).

Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.

The 2010 United States census counted 6,286 same-sex unmarried-partner households in Mississippi, an increase of 1,512 since the 2000 United States census. 33% contained at least one child, giving Mississippi the distinction of leading the nation in the percentage of same-sex couples raising children. Mississippi has the largest percentage of African-American same-sex couples among total households. The state capital, Jackson, ranks tenth in the nation in concentration of African-American same-sex couples. The state ranks fifth in the nation in the percentage of Hispanic same-sex couples among all Hispanic households and ninth in the highest concentration of same-sex couples who are seniors. With the passing of HB 1523 in April 2016, from July it became legal in Mississippi to refuse service to same-sex couples, based on one’s religious beliefs. The bill has become the subject of controversy. A federal judge blocked the law in July, however it was challenged and a federal appeals court ruled in favor of the law in October 2017.

Neighborhoods

Mississippi neighborhoods include: Aberdeen, Amory, Anguilla, Ashland, Bailey, Batesville, Bay Saint Louis, Bay Springs, Belden, Belen, Belzoni, Benoit, Benton, Bentonia, Biloxi, Blue Mountain, Blue Springs, Bolton, Booneville, Brandon, Braxton, Brooklyn, Byhalia, Byram, Caledonia, Camden, Canton, Carriere, Carthage, Cascilla, Charleston, Chatham, Choctaw, Chunky, Clarksdale, Clinton, Coahoma, Coldwater, Collinsville, Columbia, Columbus, Como, Corinth, Courtland, Crawford, Crenshaw, Crowder, Cruger, Crystal Springs, Daleville, Darling, De Kalb, Diamondhead, Diberville, Drew, Duck Hill, Dumas, Dundee, Ecru, Edwards, Ellisville, Enid, Enterprise, Etta, Falcon, Falkner, Flora, Florence, Flowood, Forest, French Camp, Fulton, Gattman, Gautier, Georgetown, Glen Allan, Golden, Greenville, Greenwood, Greenwood Springs, Grenada, Gulfport, Hamilton, Harrisville, Hattiesburg, Hazlehurst, Heidelberg, Hermanville, Hickory Flat, Hollandale, Holly Bluff, Holly Springs, Houlka, Houston, Isola, Itta Bena, Jackson, Jayess, Kilmichael, Kiln, Lamar, Lambert, Lauderdale, Laurel, Leakesville, Learned, Leland, Lena, Lexington, Long Beach, Lorman, Louin, Louise, Lucedale, Lumberton, Lyon, Madison, Magee, Mantachie, Marion, Marks, Mc Henry, Mc Lain, Mendenhall, Meridian, Michigan City, Minter City, Monticello, Moorhead, Morgan City, Morton, Moss Point, Natchez, Neely, Nettleton, Newhebron, Oak Vale, Ocean Springs, Okolona, Olive Branch, Pachuta, Pascagoula, Pass Christian, Pattison, Paulding, Pearl, Pearlington, Pelahatchie, Perkinston, Petal, Philadelphia, Philipp, Picayune, Pickens, Pinola, Pontotoc, Pope, Poplarville, Port Gibson, Potts Camp, Prairie, Preston, Purvis, Raleigh, Randolph, Raymond, Red Banks, Redwood, Richland, Richton, Ridgeland, Ripley, Robinsonville, Rolling Fork, Rose Hill, Roxie, Ruleville, Sarah, Sardis, Satartia, Saucier, Schlater, Senatobia, Shannon, Sidon, Silver City, Silver Creek, Sledge, Smithville, Sontag, Soso, Southaven, Starkville, State Line, Steens, Stewart, Stringer, Sumrall, Terry, Thaxton, Tinsley, Tiplersville, Toomsuba, Tougaloo, Tremont, Tunica, Tupelo, Tutwiler, Union, Utica, Vaiden, Vance, Vancleave, Vaughan, Vicksburg, Vossburg, Walnut, Walnut Grove, Waterford, Water Valley, Waveland, Waynesboro, Wesson, Wiggins, Winona, Winterville, Woodland, Woodville, Yazoo City

For more information, see Mississippi wiki

Vehicle Loans Coverage Area For Mississippi

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 car financing options from dealer price negotiations, we empower our clients to get the best deal possible.

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Steps to Apply For An Auto Loan

1 - Budget For Your Purchase

The first step to apply for a car loan 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.

Easy Credit Auto in Mississippi

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 are looking for no down payment auto loans, don't worry. We can still help you.

Finally, use our car loan calculator to estimate your monthly payment.

2 - Choose Whether You Want a New or Used Car

If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. 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 looking for affordable used cars. 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 party, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private sale.

3 - Apply For Your Car Loan

Click the button below and fill out our quick and easy application form to get started right away!

What You Should Know About The Best Auto Financing in Mississippi

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.

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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!


Do You Have Bad Credit And Need A Car?

Getting bad credit car or truck loans can present a problem, especially in Mississippi. 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. Car Financing Bad Credit in MississippiWith 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.


Can You Get A Car With Bad Credit?

For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Mississippi. 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. Car Loan With Bad Credit in Mississippi

Here are just a few common causes of bad credit:

  • Job Loss - Losing your job and needing to pay expenses with a credit card can be one of the easiest ways for bad credit to build up.
  • Divorce - A divorce may leave you stuck with legal fees, housing you cannot afford, or being stuck with your ex's bills or debt.
  • Illness, Accident or Death - Whether you yourself are sick or in an accident, or there is a death in the family, having to pay large bills at an unexpected time can really hit your credit score hard.
  • Bad Spending - Sometimes people just spend too much. Whether it's shopping (clothes, computers, TVs, etc.) or other poor spending decisions, bad credit can sneak up on anyone.

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.



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