Getting the best deal on a car loan can be tricky — especially in Albany New York. 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.
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Albany (/ˈɔːlbəni/ (listen) ALL-bə-nee) is the capital of the U.S. state of New York and the seat of Albany County. Albany is located on the west bank of the Hudson River approximately 10 miles (16 km) south of its confluence with the Mohawk River and approximately 150 miles (240 km) north of New York City.
Albany is about 150 miles (240 km) north of New York City on the Hudson River. It has a total area of 21.8 square miles (56 km), of which 21.4 square miles (55 km) is land and 0.4 square miles (1.0 km) (1.8%) is water. The city is bordered on the north by the town of Colonie (along with the village of Menands), on the west by the town of Guilderland, and on the south by the town of Bethlehem. The Hudson River represents the city’s eastern border. Patroon Creek, along the northern border, and the Normans Kill, along the southern border, are the two major streams in the city. The former Foxes Creek, Beaver Kill, and Rutten Kill still exist, but were diverted underground in the 19th century. There are four lakes within city limits: Buckingham Lake; Rensselaer Lake at the mouth of the Patroon Creek; Tivoli Lake, which was formed as a reservoir and once connected to the Patroon Creek; and Washington Park Lake, which was formed by damming the Beaver Kill.
The highest natural point in Albany is a USGS benchmark near the Loudonville Reservoir off Birch Hill Road, at 378 feet (115 m) above sea level. The lowest point is sea level at the Hudson River (the average water elevation is 2 feet (0.61 m)), which is still technically an estuary at Albany and is affected by the Atlantic tide. The interior of Albany consists of rolling hills which were once part of the Albany Pine Bush, an area of pitch pine and scrub oak, and has arid, sandy soil that is a remnant of the ancient Lake Albany. Due to development, the Pine Bush has shrunk from an original 25,000 to 6,000 acres (10,100 to 2,400 ha) today. A preserve was set up by the State Legislature in 1988 and is on the city’s western edge, spilling into Guilderland and Colonie; it is the only sizable inland pine barrens sand dune ecosystem in the United States, and is home to many endangered species, including the Karner Blue butterfly.
Historically, Albany’s population has been mixed. First dominated by the Dutch and Germans, it was overtaken by the English in the early 19th century. Irish immigrants soon outnumbered most other ethnicities by the mid-19th century, and were followed by Italians and Poles. In the mid-to-late 20th century, the African-American population increased with thousands of people from the rural South, as part of the Great Migration. As historian (and Albany Assemblyman) John McEneny puts it,
Dutch and Yankee, German and Irish, Polish and Italian, black and Chinese—over the centuries Albany’s heritage has reflected a succession of immigrant nationalities. Its streets have echoed with a dozen languages, its neighborhoods adapting to the distinctive life-style and changing economic fortunes of each new group.
Until after the Revolution, Albany’s population consisted mostly of ethnic Dutch descendants. Settlers migrating from New England tipped the balance toward British ethnicity in the early 19th century. Jobs on the turnpikes, canals, and railroads attracted floods of Irish immigrants in the early 19th century, especially in the 1840s during the Irish potato famine, solidifying the city’s Irish base. Albany elected its first Irish Catholic mayor (Michael Nolan) two years before Boston did. Polish and Italian immigrants began arriving in Albany in the wave of immigration in the latter part of the 19th century. Their numbers were smaller than in many other eastern cities mainly because most had found manufacturing jobs at General Electric in Schenectady. The Jewish community had been established early, with Sephardic Jewish members as part of the Beverwijck community. Its population rose during the late 19th century, when many Ashkenazi Jews immigrated from eastern Europe. In that period, there was also an influx of Chinese and east Asian immigrants, who settled in the downtown section of the city. Many of their descendants have since moved to suburban areas. Immigration all but halted after the Immigration Act of 1924.
Albany was also a destination of internal migration, as many African Americans moved north in their Great Migration from the rural South before and after World War I to fill industrial positions and find new opportunities. In the early years, they lived together with Italians, Jews and other immigrants in the South End, where housing was older and less expensive. The black community has grown as a proportion of the population since then: African Americans made up 3 percent of the city’s population in 1950, 6 percent in 1960, 12 percent in 1970, and 30 percent in 2010. The change in proportion is related mostly to middle-class white families moving to the suburbs, and black families remaining within city limits during the same time period.
Since 2007 the number of Burmese refugees has increased, who are mostly of the Karen ethnicity; an estimated 5,000 reside in Albany as of January 2015.
As of the 2010 census, there were 97,856 people residing in the city. The population of the census area in 2009 was estimated to be 1,170,483. The population density in 2010 was 4,572.7 per square mile (1,779.2/km²). There were 46,362 housing units at an average density of 2,166.4 per square mile (842.9/km²); 5,205 of these units (11.2%) were vacant. The racial makeup of the city residents was 52.3% white; 27% black or African American; 0.06% Native American or Native Alaskan; 7.4% Asian; 0.1% Native Hawaiian or Pacific Islander; .06% from other races; and 3.6% from two or more races. A total of 9.2% of the population were Hispanic or Latino of any race. Non-Hispanic Whites were 52.0% of the population in 2010, compared to 87.0% in 1970.
As of the 2000 census, the top five ancestry groups in the city were African (27%), Irish (18.1%), Italian (12.4%), German (10.4%), and English (5.2%); (33.1%) of the population reported “other ancestries”. Albany is home to a Triqui language-speaking community of Mexican-Americans.
The population had 20.0% under the age of 18, 19.3% from 18 to 24, 29.2% from 25 to 44, 18.1% from 45 to 64, and 13.4% who were 65 years of age or older. The median age was 31.4 years. For every 100 females, there were 90.6 males. For every 100 females age 18 and over, there were 86.5 males. Some 81.3% of the population had completed high school or earned an equivalency diploma.
There were 40,709 households in 2000, out of which 22.0% had children under the age of 18 living with them, 25.3% were married couples living together, 16.1% had a female householder with no husband present, and 54.8% were non-families. 41.9% of all households were made up of individuals and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.11 and the average family size was 2.95.
The median income for a household in the city in 2000 was $75,261, and the median income for a family was $78,110 (male, year-round worker) and $70,856 (female, year-round worker). The per capita income for the city was $57,574. About 16.0% of families and 21.7% of the population were below the poverty line, including 28.8% of those under age 18 and 12.5% of those age 65 or over. The rate of reported violent crimes for 2008 (1,095 incidents per 100,000 residents) is more than double the rate for similarly sized US cities. Reported property crimes (4,669 incidents per 100,000 residents) are somewhat lower.
Demographically speaking, the population of Albany and the Capital District mirrors the characteristics of the United States consumer population as a whole better than any other major municipality in the country. According to a 2004 study conducted by the Acxiom Corporation, Albany and its environs are the top-ranked standard test market for new business and retail products. Albany, Rochester, and Syracuse all scored within the top five.
12201-12, 12214, 12220, 12222-32
Albany New York neighborhoods include: Albany Shaker, Arbor Hill, Beverwyck, Bishop’s Gate, Buckingham Lake – Crestwood, Center Square, Central Ave, Central Colonie, Downtown, Dunes, East Hills, Green Meadows, Harriman, Heavenly space, Helderberg, Hudson/Park, jaewook jung, Linton Ave, Loudon, Mansion Area, Melrose, Metro Park, Mid Delaware, Mount Hope, New Albany, New Scotland, Normanskill, North Allen St, North Bethlehem, Ontario Street, Park South, Pine Hills, Point of Woods, Princess and Marian, Quail/Ontario, Roessleville, Russell Rd, Saddle Wood, Sander Creek, Second Avenue, Shaker Park, Sheridan Hollow, South End, Ten Broeck Triangle, Tucking Forest, Wall St, Washington Park, West Albany, Western Ave, West Hill, Whitehall
For more information, see Albany New York 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 car financing options 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.
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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.
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Are you in need of a new car, but are afraid it's impossible because of your bad credit? Well, the fact is that today, consumers with bad credit have a wide variety of options available to them in regards to bad credit auto loans, especially in Albany New York. In fact, 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.
If you have bad credit, the first thing that I would recommend is to find out more about your own financial situation. What is your exact credit score (FICO) with the three credit agencies (Experian, TransUnion, and Equifax)? You can find this information by visiting a free credit report service website where you can place an order for a free yearly credit report. The credit report has everything but the credit score. You have to pay extra to get the scores, but it is worth it. It is valuable information to have on hand in your search for the best auto loan deal. With this information, you can do quite a few things to help yourself.
The first thing you need to do when you examine your credit report is to look for errors. Correcting errors can help bring up your credit score some. Another way to increase credit score is to have a friend, or relative, with good credit add you as an authorized user to their credit cards. This connects their good credit history to yours. If you simply don't know what to do, there are credit repair companies that can help clean up your credit report. I have used a credit repair company in the past and was very pleased with the results.
When it is all said and done, a person with poor credit does have many options available. It is just a matter of doing the research and keeping an eye out for the best deal available. Your dream car is within reach, and having bad credit shouldn't hold you back.
For many hardworking men and women, bad credit can have a very bad effect on your life, especially in Albany New York. 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.
Here are just a few common causes of bad credit:
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.