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Sparta Township is a township in Sussex County, New Jersey, United States. As of the 2010 United States Census, the township’s population was 19,722, reflecting an increase of 1,642 (+9.1%) from the 18,080 counted in the 2000 Census, which had in turn increased by 2,923 (+19.3%) from the 15,157 counted in the 1990 Census.
Sparta Township had a total area of 38.965 square miles (100.920 km), including 36.942 square miles (95.680 km) of land and 2.023 square miles (5.240 km) of water (5.19%).
Lake Mohawk (with 8,092 out of the CDP’s total 2010 Census population of 9,916 in the township) is an unincorporated community and census-designated place (CDP) split between Byram Township and Sparta Township.
Other unincorporated communities, localities and place names located partially or completely within the township include Ackerson, Edison, Hopewell, Houses Corner, Monroe, Sparta Junction, Sussex Mills, Upper Mohawk and Woodruffs Gap.
The township borders the Sussex County municipalities of Andover Township, Byram Township, Franklin borough, Hardyston Township, Hopatcong borough and Lafayette Township; and Jefferson Township in Morris County.
Sparta has been noted for the high number of pilots and their families who settle in the area. In his 1994 book The Airport: Terminal Nights and Runway Days at John F. Kennedy International, James Kaplan describes the home township of an interviewee as “thickly populated, for no particular reason, with pilots, many of whom do their flying out of Kennedy. The view out [the pilot’s] picture window is of trees … The lights and noise of Manhattan, fifty miles distant, attract flight attendants, single people mostly. Pilots like the woods.”
As of the 2010 United States Census, there were 19,722 people, 6,868 households, and 5,453.192 families residing in the township. The population density was 533.9 per square mile (206.1/km). There were 7,423 housing units at an average density of 200.9 per square mile (77.6/km). The racial makeup of the township was 94.15% (18,569) White, 1.00% (198) Black or African American, 0.11% (22) Native American, 2.49% (491) Asian, 0.02% (4) Pacific Islander, 0.70% (139) from other races, and 1.52% (299) from two or more races. Hispanic or Latino of any race were 5.34% (1,054) of the population.
There were 6,868 households out of which 41.8% had children under the age of 18 living with them, 69.6% were married couples living together, 6.9% had a female householder with no husband present, and 20.6% were non-families. 17.4% of all households were made up of individuals, and 8.0% had someone living alone who was 65 years of age or older. The average household size was 2.87 and the average family size was 3.27.
In the township, the population was spread out with 28.9% under the age of 18, 6.1% from 18 to 24, 21.5% from 25 to 44, 32.4% from 45 to 64, and 11.1% who were 65 years of age or older. The median age was 41.5 years. For every 100 females there were 96.6 males. For every 100 females ages 18 and older there were 95.1 males.
The Census Bureau’s 2006-2010 American Community Survey showed that (in 2010 inflation-adjusted dollars) median household income was $112,699 (with a margin of error of +/- $6,658) and the median family income was $127,669 (+/- $8,981). Males had a median income of $89,118 (+/- $5,949) versus $60,590 (+/- $5,416) for females. The per capita income for the borough was $50,115 (+/- $3,064). About 2.3% of families and 3.0% of the population were below the poverty line, including 3.4% of those under age 18 and 5.5% of those age 65 or over.
As of the 2000 United States Census there were 18,080 people, 6,225 households, and 5,029 families residing in the township. The population density was 483.5 people per square mile (186.7/km²). There were 6,590 housing units at an average density of 176.2 per square mile (68.1/km²). The racial makeup of the township was 96.7% White, 0.3% African American, 0.1% Native American, 1.4% Asian, 0.03% Pacific Islander, 0.45% from other races, and 1.09% from two or more races. Hispanic or Latino of any race were 2.54% of the population.
There were 6,225 households out of which 44.6% had children under the age of 18 living with them, 72.9% were married couples living together, 5.9% had a female householder with no husband present, and 19.2% were non-families. 16.1% of all households were made up of individuals and 7.2% had someone living alone who was 65 years of age or older. The average household size was 2.90 and the average family size was 3.28.
In the township the population was spread out with 30.6% under the age of 18, 4.5% from 18 to 24, 30.0% from 25 to 44, 26.6% from 45 to 64, and 8.2% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 97.3 males. For every 100 females age 18 and over, there were 94.4 males.
The median income for a household in the township was $89,835, and the median income for a family was $100,658. Males had a median income of $74,293 versus $39,349 for females. The per capita income for the township was $36,910. About 1.0% of families and 1.5% of the population were below the poverty line, including 1.6% of those under age 18 and 2.1% of those age 65 or over.
Sparta New Jersey neighborhoods include: Chapel Hill, East Shore Lake Mohawk, Round Top, Sparta, Sterling Hill, Sussex Mills
For more information, see Sparta New Jersey 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 an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi 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 bad credit 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 an auto loan pre-approval 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 no down payment 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 get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
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.
We specialize in:
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.
We also specialize in sub-prime auto financing including financing a car after bankruptcy and helping borrowers to obtain a car loan after repossession.
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.
AllCreditCarLoans works with the best buy here pay here dealerships, bad credit auto dealers, second chance auto dealers and other car loan lenders to provide the best auto 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 Sparta New Jersey. 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.
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 Sparta New Jersey. 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.