The Best Missouri Car Loans – MO

Missouri is a state in the Midwestern United States. With over six million residents, it is the 18th-most populous state of the Union. The largest urban areas are St. Louis, Kansas City, Springfield, and Columbia; the capital is Jefferson City. The state is the 21st-most extensive in area. In the South are the Ozarks, a forested highland, providing timber, minerals, and recreation. The Missouri River, after which the state is named, flows through the center of the state into the Mississippi River, which makes up Missouri’s eastern border.

Geography

Missouri is landlocked and borders eight different states as does its neighbor, Tennessee. No state in the U.S. touches more than eight. Missouri is bounded by Iowa on the north; by Illinois, Kentucky, and Tennessee across the Mississippi River on the east; on the south by Arkansas; and by Oklahoma, Kansas, and Nebraska (the last across the Missouri River) on the west. Whereas the northern and southern boundaries are straight lines, the Missouri Bootheel protrudes southerly into Arkansas. The two largest rivers are the Mississippi (which defines the eastern boundary of the state) and the Missouri River (which flows from west to east through the state) essentially connecting the two largest metros of Kansas City and St. Louis.

Although today it is usually considered part of the Midwest, Missouri was historically seen by many as a border state, chiefly because of the settlement of migrants from the South and its status as a slave state before the Civil War, balanced by the influence of St. Louis. The counties that made up “Little Dixie” were those along the Missouri River in the center of the state, settled by Southern migrants who held the greatest concentration of slaves.

In 2005, Missouri received 16,695,000 visitors to its national parks and other recreational areas totaling 101,000 acres (410 km), giving it $7.41 million in annual revenues, 26.6% of its operating expenditures.

Demographics

The United States Census Bureau estimates that the population of Missouri was 6,083,672 on July 1, 2015, a 1.58% increase since the 2010 United States Census.

Missouri had a population of 5,988,927, according to the 2010 Census; an increase of 392,369 (7.0 percent) since the year 2000. From 2000 to 2007, this includes a natural increase of 137,564 people since the last census (480,763 births less 343,199 deaths), and an increase of 88,088 people due to net migration into the state. Immigration from outside the United States resulted in a net increase of 50,450 people, and migration within the country produced a net increase of 37,638 people. Over half of Missourians (3,294,936 people, or 55.0%) live within the state’s two largest metropolitan areas–St. Louis and Kansas City. The state’s population density 86.9 in 2009, is also closer to the national average (86.8 in 2009) than any other state.

In 2011, the racial composition of the state was:

In 2011, 3.7% of the total population was of Hispanic or Latino origin (they may be of any race).

The U.S. Census of 2010 found that the population center of the United States is in Texas County, while the 2000 Census found the mean population center to be in Phelps County. The center of population of Missouri is in Osage County, in the city of Westphalia.

In 2004, the population included 194,000 foreign-born (3.4 percent of the state population).

The five largest ancestry groups in Missouri are: German (27.4 percent), Irish (14.8 percent), English (10.2 percent), American (8.5 percent) and French (3.7 percent).

German Americans are an ancestry group present throughout Missouri. African Americans are a substantial part of the population in St. Louis (56.6% of African Americans in the state lived in St. Louis or St. Louis County as of the 2010 census), Kansas City, Boone County and in the southeastern Bootheel and some parts of the Missouri River Valley, where plantation agriculture was once important. Missouri Creoles of French ancestry are concentrated in the Mississippi River Valley south of St. Louis (see Missouri French). Kansas City is home to large and growing immigrant communities from Latin America esp. Mexico and Colombia, Africa (i.e. Sudan, Somalia and Nigeria), and Southeast Asia including China and the Philippines; and Europe like the former Yugoslavia (see Bosnian American). A notable Cherokee Indian population exists in Missouri.

In 2004, 6.6 percent of the state’s population was reported as younger than 5 years old, 25.5 percent younger than 18, and 13.5 percent was 65 or older. Females were approximately 51.4 percent of the population. 81.3 percent of Missouri residents were high school graduates (more than the national average), and 21.6 percent had a bachelor’s degree or higher. 3.4 percent of Missourians were foreign-born, and 5.1 percent reported speaking a language other than English at home.

In 2010, there were 2,349,955 households in Missouri, with 2.45 people per household. The home ownership rate was 70.0 percent, and the median value of an owner-occupied housing unit was $137,700. The median household income for 2010 was $46,262, or $24,724 per capita. There were 14.0 percent (1,018,118) of Missourians living below the poverty line in 2010.

The mean commute time to work was 23.8 minutes.

In 2011, 28.1% of Missouri’s population younger than age 1 were minorities.

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 vast majority of people in Missouri speak English. Approximately 5.1% of the population reported speaking a language other than English at home. The Spanish language is spoken in small Latino communities in the St. Louis and Kansas City Metro areas.

Missouri is home to an endangered dialect of the French language known as Missouri French. Speakers of the dialect, who call themselves Créoles, are descendants of the French pioneers who settled the area then known as the Illinois Country beginning in the late 17th century. It developed in isolation from French speakers in Canada and Louisiana, becoming quite distinct from the varieties of Canadian French and Louisiana Creole French. Once widely spoken throughout the area, Missouri French is now nearly extinct, with only a few elderly speakers able to use it.

According to a Pew Research study conducted in 2014, 80% of Missourians identify with a religion. 77% affiliate with Christianity and its various denominations, and the other 3% are adherents of non-Christian religions. The remaining 20% have no religion, with 2% specifically identifying as atheists and 3% identifying as agnostics (the other 15% do not identify as “anything in particular”).

Broken down, the religious demographics of Missouri are as follows:

The largest denominations by number of adherents in 2010 were the Southern Baptist Convention with 749,685; the Roman Catholic Church with 724,315; and the United Methodist Church with 226,409.

Among the other denominations there are approximately 93,000 Mormons in 253 congregations, 25,000 Jewish adherents in 21 synagogues, 12,000 Muslims in 39 masjids, 7,000 Buddhists in 34 temples, 20,000 Hindus in 17 temples, 2,500 Unitarians in 9 congregations, 2,000 Baha’i in 17 temples, 5 Sikh temples, a Zoroastrian temple, a Jain temple and an uncounted number of neopagans.

Several religious organizations have headquarters in Missouri, including the Lutheran Church–Missouri Synod, which has its headquarters in Kirkwood, as well as the United Pentecostal Church International in Hazelwood, both outside St. Louis.

Independence, near Kansas City, is the headquarters for the Community of Christ (formerly the Reorganized Church of Jesus Christ of Latter Day Saints), the Church of Christ (Temple Lot) and the group Remnant Church of Jesus Christ of Latter Day Saints. This area and other parts of Missouri are also of significant religious and historical importance to The Church of Jesus Christ of Latter-day Saints (LDS Church), which maintains several sites and visitors centers.

Springfield is the headquarters of the Assemblies of God USA and the Baptist Bible Fellowship International. The General Association of General Baptists has its headquarters in Poplar Bluff. The Unity Church is headquartered in Unity Village.

Hindu Temple of St. Louis is the largest Hindu Temple in Missouri, serving over 14,000 Hindus.

Neighborhoods

Missouri neighborhoods include: Agency, Altenburg, Amazonia, Anabel, Anderson, Arbyrd, Archie, Arnold, Asbury, Ash Grove, Ashland, Atlanta, Aurora, Ava, Avilla, Ballwin, Barnard, Barnett, Barnhart, Bates City, Battlefield, Bellflower, Belton, Bethany, Bevier, Billings, Birmingham, Blackwater, Blackwell, Blairstown, Bloomsdale, Blue Eye, Blue Springs, Blythedale, Bois D Arc, Bolckow, Bonne Terre, Boonville, Bourbon, Bradleyville, Branson, Brashear, Brighton, Brookline, Brumley, Bruner, Buckner, Bunceton, Burfordville, Burlington Junction, Butler, Byrnes Mill, Cainsville, Calhoun, California, Callao, Camden Point, Camdenton, Campbell, Cape Fair, Cape Girardeau, Cardwell, Carl Junction, Carterville, Carthage, Caruthersville, Catawissa, Cedarcreek, Cedar Hill, Centertown, Centerview, Centralia, Chadwick, Chaffee, Cherryville, Chesterfield, Chestnutridge, Chilhowee, Clarence, Clark, Clarksburg, Clarksdale, Clarkton, Clearmont, Cleveland, Clever, Clinton, Clyde, Cole Camp, Columbia, Conception, Conception Junction, Concordia, Conway, Cook Sta, Cosby, Country Club, Crane, Creighton, Crocker, Crystal City, Cuba, Daisy, Davisville, Dearborn, Deepwater, Defiance, De Kalb, Delta, De Soto, Des Peres, Devils Elbow, Diamond, Dittmer, Dixon, Drexel, Eagleville, Easton, Edgerton, Eldon, Eldridge, Elmer, Elmo, Elsberry, Eolia, Ethel, Eugene, Eureka, Everton, Excello, Excelsior Springs, Fair Grove, Falcon, Faucett, Fenton, Ferguson, Festus, Fillmore, Fletcher, Florence, Florissant, Foley, Fordland, Foristell, Forsyth, Fortuna, Freeman, Freistatt, Friedheim, Frohna, Galena, Garden City, Garrison, Gibbs, Gilman City, Gladstone, Gobler, Golden City, Goodman, Gower, Graham, Grain Valley, Grandview, Grant City, Gravois Mills, Green Castle, Green Ridge, Greentop, Greenwood, Grovespring, Grubville, Guilford, Hallsville, Harrisburg, Harrisonville, Hartsburg, Hatfield, Hawk Point, Hayti, Helena, Henley, Herculaneum, Higginsville, Highlandville, High Ridge, Hillsboro, Holcomb, Holden, Hollister, Holt, Hopkins, Hornersville, House Springs, Hurdland, Hurley, Iberia, Imperial, Independence, Jackson, Jane, Jasper, Jefferson City, Joplin, Kaiser, Kansas City, Kearney, Kennett, Kimberling City, King City, Kingsville, Kirbyville, Kirksville, Kirkwood, Kissee Mills, Knob Noster, La Grange, Lake Lotawana, Lake Ozark, Lake Tapawingo, Lake Winnebago, Lampe, Lanagan, La Plata, Laquey, La Russell, Lawson, Leasburg, Lebanon, Lees Summit, Leeton, Liberal, Liberty, Lohman, Lone Jack, Lynchburg, Macon, Malden, Manchester, Marionville, Marshfield, Martinsville, Maryland Heights, Maryville, Mc Clurg, Merriam Woods Village, Meta, Middletown, Miller, Millersville, Mindenmines, Monett, Montrose, Mora, Mosby, Moscow Mills, Mount Vernon, Napoleon, Nelson, New Boston, New Cambria, New Hampton, Niangua, Nixa, Noel, Novinger, Oak Grove, Oak Ridge, Odessa, O Fallon, Old Appleton, Oldfield, Old Monroe, Olean, Olney, Oran, Oronogo, Orrick, Osage Beach, Otterville, Owensville, Ozark, Pacific, Parkville, Parnell, Peculiar, Perryville, Pevely, Phillipsburg, Pickering, Pierce City, Pilot Grove, Pineville, Plato, Platte City, Pleasant Hill, Pleasant Hope, Pleasant Valley, Ponce De Leon, Portageville, Potosi, Powell, Powersite, Prairie Home, Princeton, Protem, Randolph, Ravenwood, Raymore, Raytown, Rea, Reeds, Reeds Spring, Republic, Richland, Ridgedale, Ridgeway, Riverside, Robertsville, Rocheport, Rockaway Beach, Rocky Comfort, Rocky Mount, Rogersville, Rolla, Rosendale, Rueter, Rushville, Russellville, Saddlebrooke, Saint Charles, Saint Elizabeth, Saint James, Saint Joseph, Saint Louis, Saint Mary, Saint Peters, Saint Robert, Saint Thomas, Salem, Sarcoxie, Savannah, Sedalia, Senath, Seymour, Shell Knob, Sibley, Silex, Skidmore, Smithton, Smithville, South West City, Sparta, Spokane, Springfield, Stanberry, Steele, Steelville, Stella, St Joseph, Stotts City, Stoutland, Stover, Strafford, Sturgeon, Sugar Creek, Sullivan, Sunrise Beach, Sweet Springs, Syracuse, Taneyville, Theodosia, Tiff City, Tipton, Trimble, Troy, Truxton, Tunas, Tuscumbia, Ulman, Union Star, Uniontown, University City, Urich, Valles Mines, Valley Park, Verona, Versailles, Viburnum, Village Of Loch Lloyd, Walnut Grove, Walnut Shade, Wardell, Warrensburg, Warrenton, Warsaw, Wayland, Waynesville, Webb City, Webster Groves, Wentworth, Wentzville, Wesco, Weston, Whiteman Air Force Base, Whitewater, Wildwood, Willard, Windsor, Windyville, Winfield, Wooldridge, Wright City

For more information, see Missouri wiki

Vehicle Financing Coverage Area For Missouri

Car Finance Explained

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 Missouri. 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.

Can't Wait Months To Increase Your Credit Score?

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.

What's A Good Score For An Auto Loan?

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!

Where Do I Get My Credit Score?

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.

What If I Can't Qualify For A Bank Car Loan?

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.

What If The Payments Aren't Affordable?

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.