Getting the best deal on a car loan can be tricky — especially in Rockland County 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.
Once you apply, we’ll forward your application to the lending partner that is best suited to your needs. They will communicate directly with you to complete the quick loan process. You could get pre-approved for a car loan within minutes after applying.
So, no matter what your credit situation, if you are looking for a quick car loan for bad credit with no hassle, we can help. Apply today and you could be driving your new car tomorrow!
Rockland County is the southernmost county on the west side of the Hudson River in the U.S. state of New York, part of the New York City Metropolitan Statistical Area. The county’s population, as of the 2010 census, was 311,687, increasing by 5.5% to a 2017 Census estimate of 328,868, making it the third-most densely populated county outside New York City within New York State (after Nassau and neighboring Westchester counties, respectively). The county seat is New City. Rockland County is a suburb of New York City that borders the boroughs about 9 miles northwest of the city at their closest points, and is accessible via the New York State Thruway, after 10 exits. The name derives from “rocky land”, as the area has been aptly described.
According to the U.S. Census Bureau, the county has a total area of 199 square miles (520 km), of which 174 square miles (450 km) is land and 26 square miles (67 km) (13%) is water. It is the smallest county in the state outside New York City.
Rockland County lies just north of the New Jersey-New York border, west of Westchester County across the Hudson River, and south of Orange County.
The county’s elevations range from 1,283 feet (391 m) atop Rockhouse Mountain to sea level along the Hudson River. Approximately 30% of Rockland County is devoted to parkland, belonging to either the five towns, incorporated villages, the state, or the county. These parks provide walking and hiking trails, ballfields, dog runs, historic sites, ponds, streams, salt marshes, and equestrian trails. Some popular state parks include Bear Mountain State Park on the northernmost tip of the county, Harriman State Park also along the county’s northern boundary, and Nyack Beach State Park along the Hudson River, with trails connecting to Rockland Lake State Park. In addition to parks, Rockland is home to numerous public and private golf courses, with the towns of Orangetown, Ramapo, Stony Point, and Haverstraw all operating public golf courses within their towns, offering discounted rates to their respective residents. The Palisades Interstate Park Commission also operates two golf courses in Rockland Lake State Park with sweeping views of the park. Notable private courses in the county include Paramount Country Club, Manhattan Woods Golf Course (designed by PGA great Gary Player), and Rockland Country Club (Sparkill).
Overlooking Rockland County with NYC skyline in far background
Pine Meadow Lake in Harriman State Park
Haverstraw along the Hudson River
As of the census of 2000, there were 286,753 people, 92,675 households, and 70,989 families residing in the county. The population density was 1,646 people per square mile (636/km). There were 94,973 housing units at an average density of 545 per square mile (210/km). However, residents live closer together than the census numbers indicate, as 30% of the county is reserved as parkland. 9% of residents reported speaking Spanish at home, 5% Yiddish, 3% French-based creole, 1.5% Italian, 1.3% Tagalog, 1.3% Hebrew, 1.2% French, and 1% Russian. Other languages spoken at home by at least 1000 people include Malayalam, Korean, Chinese, German, and Polish.
In 2000, there were 92,675 households out of which 38% had children under the age of 18 living with them, 63% were married couples living together, 10% had a female householder with no husband present, and 23% were non-families. 19% of all households were made up of individuals and 8% had someone living alone who was 65 years of age or older. The average household size was 3 and the average family size was 3.5.
In the county, the population was spread out with 28% under the age of 18, 8% from 18 to 24, 28% from 25 to 44, 24.30% from 45 to 64, and 12% who were 65 years of age or older. The median age was 36 years. For every 100 women there were 95 men. For every 100 women age 18 and over, there were 91 men.
The median income for a household in the county was $68,000 and the median income for a family was $80,000. Males had a median income of $58,000 versus $39,000 for females. The per capita income for the county was $28,000. The mean, or average, income for a family in Rockland County is $73,500 according to the 2004 census. About 6% of families and 10% of the population were below the poverty line, including 14% of those under age 18 and 8% of those age 65 or over.
For more information, see Rockland County 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 bad credit 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.
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 a online car credit that is suited to your needs and budget.
We specialize in:
We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto loans 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 buy a car with their ITIN number.
We also specialize in sub-prime auto loans including after bankruptcy auto loans and helping borrowers to obtain car loans with repossessions.
If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here used car lots, used car dealership for bad credit, 2nd chance auto dealers and other used car lenders to provide the best auto loan 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!
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 Rockland County 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.
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 Rockland County New York. 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.