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Nevada (/nɪˈvædə/) is a state in the Western United States. It borders Oregon to the northwest, Idaho to the northeast, California to the west, Arizona to the southeast and Utah to the east. Nevada is the 7th most extensive, the 34th most populous, but the 9th least densely populated of the U.S. states. Nearly three-quarters of Nevada’s people live in Clark County, which contains the Las Vegas–Paradise metropolitan area where three of the state’s four largest incorporated cities are located. Nevada’s capital, however, is Carson City.
Nevada is almost entirely within the Basin and Range Province, and is broken up by many north-south mountain ranges. Most of these ranges have endorheic valleys between them, which belies the image portrayed by the term Great Basin.
Much of the northern part of the state is within the Great Basin, a mild desert that experiences hot temperatures in the summer and cold temperatures in the winter. Occasionally, moisture from the Arizona Monsoon will cause summer thunderstorms; Pacific storms may blanket the area with snow. The state’s highest recorded temperature was 125 °F (52 °C) in Laughlin (elevation of 605 feet or 184 meters) on June 29, 1994. The coldest recorded temperature was −52 °F (−47 °C) set in San Jacinto in 1972, in the northeastern portion of the state.
The Humboldt River crosses the state from east to west across the northern part of the state, draining into the Humboldt Sink near Lovelock. Several rivers drain from the Sierra Nevada eastward, including the Walker, Truckee, and Carson rivers. All of these rivers are endorheic basins, ending in Walker Lake, Pyramid Lake, and the Carson Sink, respectively. However, not all of Nevada is within the Great Basin. Tributaries of the Snake River drain the far north, while the Colorado River, which also forms much of the boundary with Arizona, drains much of southern Nevada.
The mountain ranges, some of which have peaks above 13,000 feet (4,000 m), harbor lush forests high above desert plains, creating sky islands for endemic species. The valleys are often no lower in elevation than 3,000 feet (910 m), while some in central Nevada are above 6,000 feet (1,800 m).
The southern third of the state, where the Las Vegas area is situated, is within the Mojave Desert. The area receives less rain in the winter but is closer to the Arizona Monsoon in the summer. The terrain is also lower, mostly below 4,000 feet (1,200 m), creating conditions for hot summer days and cool to chilly winter nights.
Nevada and California have by far the longest diagonal line (in respect to the cardinal directions) as a state boundary at just over 400 miles (640 km). This line begins in Lake Tahoe nearly 4 miles (6.4 km) offshore (in the direction of the boundary), and continues to the Colorado River where the Nevada, California, and Arizona boundaries merge 12 miles (19 km) southwest of the Laughlin Bridge.
The largest mountain range in the southern portion of the state is the Spring Mountain Range, just west of Las Vegas. The state’s lowest point is along the Colorado River, south of Laughlin.
Nevada has 172 mountain summits with 2,000 feet (610 m) of prominence. Nevada ranks second in the United States by number of mountains, behind Alaska, and ahead of California, Montana, and Washington. Nevada is the most mountainous state in the contiguous United States.
The United States Census Bureau estimates the population of Nevada on July 1, 2016 was 2,940,058, an increase of 56,300 residents (1.95%) since the 2015 US Census estimate and an increase of 239,367 residents (8.86%) since the 2010 United States Census. Nevada had the second highest percentage growth in population from 2015 to 2016. At the 2010 Census, 6.9% of the state’s population were reported as under 5, 24.6% were under 18, and 12.0% were 65 or older. Females made up about 49.5% of the population.
Since the 2010 census, the population of Nevada had a natural increase of 87,581 (the net difference between 222,508 births and 134,927 deaths); and an increase due to net migration of 146,626 (of which 104,032 was due to domestic and 42,594 was due to international migration).
The center of population of Nevada is in southern Nye County. In this county, the unincorporated town of Pahrump, 60 miles (97 km) west of Las Vegas on the California state line, has grown very rapidly from 1980 to 2010. At the 2010 census, the town had 36,441 residents. Las Vegas grew from a gulch of 100 people in 1900 to 10,000 by 1950 to 100,000 by 1970, and was America’s fastest-growing city and metropolitan area from 1960 to 2000.
From about the 1940s until 2003, Nevada was the fastest-growing state in the US percentage-wise. Between 1990 and 2000, Nevada’s population increased 66%, while the US’s population increased 13%. Over two thirds of the population of the state lives in Clark County, which is coextensive with the Las Vegas metropolitan area. Thus, in terms of population, Nevada is one of the most centralized states in the nation.
Henderson and North Las Vegas are among the top 20 fastest-growing U.S. cities with populations of over 100,000. The rural community of Mesquite 65 miles (105 km) northeast of Las Vegas was an example of micropolitan growth in the 1990s and 2000s. Other desert towns like Indian Springs and Searchlight on the outskirts of Las Vegas have seen some growth as well.
Large numbers of new residents in the state originate from California, which led some locals to feel their state is being “Californicated”.
The table below shows the racial composition of Nevada’s population as of 2016.
According to the 2016 American Community Survey, 27.8% of Nevada’s population were of Hispanic or Latino origin (of any race): Mexican (21.3%), Puerto Rican (0.9%), Cuban (0.9%), and other Hispanic or Latino origin (4.7%). The five largest non-Hispanic White ancestry groups were: German (11.3%), Irish (9.0%), English (6.9%), Italian (5.8%), and American (4.7%).
In 1980, non-Hispanic whites made up 83.3% of the state’s population.
As of 2011, 63.6% of Nevada’s population younger than age 1 were minorities.. Las Vegas is a minority majority city. According to the United States Census Bureau estimates, as of July 1, 2017, non-Hispanic Whites made up 49.1% of Nevada’s population. This would make Nevada a majority minority state joining California, Texas, New Mexico, Hawaii, and the District of Columbia.
In Douglas, Mineral, and Pershing counties, a plurality of residents are of Mexican ancestry. In Nye County and Humboldt County, residents are mostly of German ancestry; Washoe County has many Irish Americans. Americans of English descent form pluralities in Lincoln County, Churchill County, Lyon County, White Pine County, and Eureka County.
Asian Americans lived in the state since the California Gold Rush of the 1850s brought thousands of Chinese miners to Washoe county. They were followed by a few hundred Japanese farm workers in the late 19th century. By the late 20th century, many immigrants from China, Japan, Korea, the Philippines, Bangladesh, India, and Vietnam came to the Las Vegas metropolitan area. The city now has one of America’s most prolific Asian American communities, with a mostly Chinese and Taiwanese area known as “Chinatown” west of I-15 on Spring Mountain Road. Filipino Americans form the largest Asian American group in the state, with a population of more than 113,000. They comprise 56.5% of the Asian American population in Nevada and constitute about 4.3% of the entire state’s population.
Largely African American sections of Las Vegas and Reno can be found. Many current African-American Nevadans are newly transplanted residents from California.
Las Vegas was a major destination for immigrants from South Asia and Latin America seeking employment in the gaming and hospitality industries during the 1990s and first decade of the 21st century, but farming and construction are the biggest employers of immigrant labor.
The religious makeup of Nevadans includes large communities of Mormons, Roman Catholics, and Evangelicals; each is known for higher birth rates and a younger than national average age. American Jews represent a large proportion of the active adult retirement community.
Note: Births within the table do not add up, due to Hispanics being counted both by their ethnicity and by their race, giving a higher overall number.
A small percentage of Nevada’s population lives in rural areas. The culture of these places differs significantly from the major metropolitan areas. People in these rural counties tend to be native Nevada residents, unlike in the Las Vegas and Reno areas, where the vast majority of the population was born in another state. The rural population is also less diverse in terms of race and ethnicity. Mining plays an important role in the economies of the rural counties, with tourism being less prominent. Ranching also has a long tradition in rural Nevada.
Church attendance in Nevada is among the lowest of all U.S. states. In a 2009 Gallup poll only 30% of Nevadans said they attended church weekly or almost weekly, compared to 42% of all Americans (only four states were found to have a lower attendance rate than Nevada).
Major religious affiliations of the people of Nevada are: Protestant 35%, no religion 28%, Roman Catholic 25%, Latter-day Saint 4%, Jewish 2%, Hindu less than 1%, Buddhist 0.5% and Islam less than 0.1%. Parts of Nevada (in the eastern parts of the state) are situated in the Mormon Corridor.
The largest denominations by number of adherents in 2010 were the Roman Catholic Church with 451,070; The Church of Jesus Christ of Latter-day Saints with 175,149; and the Southern Baptist Convention with 45,535; Buddhist congregations 14,727; Bahá’í 1,723; and Muslim 1,700. The Jewish community is represented by The Rohr Jewish Learning Institute and Chabad.
Nevada neighborhoods include: Alamo, Austin, Battle Mountain, Boulder City, Caliente, Cal Nev Ari, Carlin, Carson City, Crescent Valley, Dayton, Deeth, Denio, Elko, Ely, Empire, Eureka, Fallon, Fernley, Gabbs, Gardnerville, Gerlach, Glenbrook, Golconda, Hawthorne, Henderson, Hiko, Incline Village, Indian Springs, Jackpot, Jean, Las Vegas, Laughlin, Logandale, Luning, Mesquite, Minden, Mound House, Mountain City, Nellis Afb, Nixon, North Las Vegas, Orovada, Overton, Paradise Valley, Pioche, Reno, Ruby Valley, Schurz, Searchlight, Silver City, Silver Springs, Sloan, Smith, Sparks, Spring Creek, Stagecoach, Stateline, Sun Valley, Tuscarora, Verdi, Virginia City, Wadsworth, Walker Lake, Washoe Valley, Wellington, Wells, Winnemucca, Yerington
For more information, see Nevada wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loans bad credit pre-approval before going to a dealership. By separating the best bad credit auto loans from dealer price negotiations, we empower our clients to get the best deal possible.
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.
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.
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.
No matter what your credit situation is, AllCreditCarLoans will help you to find an easy car loan that is suited to your needs and budget.
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We've provided car loans for first-time buyers, car financing for college students and we are proud to have arranged military auto financing 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 obtain an auto loan with their ITIN number.
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If you are looking for a car title loan or the best place to refinance your car, we have programs that can help you as well.
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With the state of our world's economy, making monthly payments is getting harder and harder, especially in Nevada. United States job loss totals are higher than they have been in over thirty years. Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.
With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.
The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.
Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.
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 Nevada. 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.