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Clyde is a village in Wayne County, New York, United States. The population was 2,093 at the 2010 census. It was named after the River Clyde, in Scotland, and the village sits on the Clyde River, a tributary of the Seneca River.
Clyde is located at 43°5′3″N 76°52′13″W / 43.08417°N 76.87028°W / 43.08417; -76.87028 (43.084232, -76.870297).
According to the United States Census Bureau, the village has a total area of 2.3 square miles (6.0 km), of which, 2.2 square miles (5.7 km) of it is land and 0.1 square miles (0.26 km) of it (2.21%) is water.
Clyde is an Erie Canal village. The Clyde River was incorporated into the canal structure. The route of the canal through village was changed during canal renovations.
The village is at the intersection of New York State Route 31 and New York State Route 414.
As of the census of 2010, there were 2,093 people, 798 households, and 545 families residing in the village. The population density was 951.4 people per square mile (367.2/km²). The racial makeup of the village was 90.2% White, 4.5% Black or African American, 0.2% Native American, 0.5% Asian, 0.0% Pacific Islander, 0.6% from other races, and 4.1% from two or more races. Hispanic or Latino of any race were 4.0% of the population.
There were 798 households out of which 31.2% had children under the age of 18 living with them, 45.4% were married couples living together, 15.4% had a female householder with no husband present, and 31.7% were non-families. 26.8% of all households were made up of individuals and 13.2% had someone living alone who was 65 years of age or older. The average household size was 2.61 and the average family size was 3.10.
In the village, the population was spread out with 30.1% under the age of 20, 6.3% from 20 to 24, 23.5% from 25 to 44, 26.1% from 45 to 64, and 13.9% who were 65 years of age or older. The median age was 37.1 years. For every 100 females there were 94.7 males. For every 100 females age 18 and over, there were 90.4 males.
The median income for a household in the village was $41,471, and the median income for a family was $54,732. Males had a median income of $41,471 versus $34,115 for females. The per capita income for the village was $20,546. About 11.5% of families and 16.9% of the population were below the poverty line, including 23.0% of those under age 18 and 14.2% of those age 65 or over.
There were 910 housing units at an average density of 413.6 per square mile (159.6/km²). 12.3% of housing units were vacant.
There were 798 occupied housing units in the village. 555 were owner-occupied units (69.5%), while 243 were renter-occupied (30.5%). The homeowner vacancy rate was 2.6% of total units. The rental unit vacancy rate was 11.6%.
For more information, see Clyde New York wiki
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The first step in obtaining instant auto finance 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 an auto dealership. 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.
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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 Clyde New York. 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.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in Clyde New York about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.