Getting the best deal on a car loan can be tricky — especially in Staten Island 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!
Staten Island (/ˌstætən ˈaɪlənd/) is one of the five boroughs of New York City, in the U.S. state of New York. Located in the southwest portion of the city, the borough is separated from New Jersey by the Arthur Kill and the Kill Van Kull and from the rest of New York by New York Bay. With an estimated population of 479,458 in 2017, Staten Island is the least populated of the boroughs but is the third-largest in land area at 58.5 sq mi (152 km). The borough also contains the southern-most point in the state, South Point.
According to the U.S. Census Bureau, Richmond County has a total area of 102.5 square miles (265 km), of which 58.5 square miles (152 km) is land and 44.0 square miles (114 km) (43%) is water. It is the third-smallest county in New York by land area and fourth-smallest by total area.
Although Staten Island is officially an administrative borough of New York City and its coterminous Richmond County is an administrative county of New York State, Staten Island is topographically and geologically a part of New Jersey. Staten Island is separated from Long Island by the Narrows and from mainland New Jersey by the Arthur Kill and the Kill Van Kull. Staten Island is positioned at the center of New York Bight, a sharp bend in the shoreline between New Jersey and Long Island. The region is considered vulnerable to sea-level rise. On October 29, 2012, the island experienced severe damage and loss of life along with the destruction of many homes during Hurricane Sandy.
In addition to the main island, the borough and county also include several small uninhabited islands:
The highest point on the island, the summit of Todt Hill, elevation 410 ft (125 m), is also the highest point in the five boroughs, as well as the highest point on the Atlantic Coastal Plain south of Great Blue Hill in Massachusetts and the highest point on the coast proper south of Maine’s Camden Hills. Ward’s Point in the neighborhood of Tottenville is the southernmost point in the state of New York.
Staten Island is the only borough in New York City that does not share a land border with another borough (Marble Hill in Manhattan is contiguous with the Bronx). The borough has a land border with Elizabeth and Bayonne, New Jersey, on uninhabited Shooters Island.
At the 2010 Census, there were 468,730 people living in Staten Island, which is an increase of 5.6% since the 2000 Census.
Staten Island is the only New York City borough with a non-Hispanic White majority. According to the 2010 Census, 64.0% of the population was non-Hispanic White, down from 79% in 1990, 10.6% Black or African American, 0.4% American Indian and Alaska Native, 7.5% Asian, 0.2% from some other race (non-Hispanic) and 2.6% of two or more races. 17.3% of Staten Island’s population was of Hispanic or Latino origin (of any race).
In 2009, approximately 20.0% of the population was foreign born, and 1.8% of the populace was born in Puerto Rico, U.S. Island areas, or born abroad to American parents. Concordantly, 78.2% of the population was born in the United States. Approximately 28.6% of the population over five years of age spoke a language other than English at home, and 27.3% of the population over twenty-five years of age had a bachelor’s degree or higher.
According to the 2009 American Community Survey, the borough’s population was 75.7% White (65.8% non-Hispanic White alone), 10.2% Black or African American (9.6% non-Hispanic Black or African American alone), 0.2% American Indian and Alaska Native, 7.4% Asian, 0.0% Native Hawaiian and Other Pacific Islander, 4.6% from Some other race, and 1.9% from Two or more races. Hispanics or Latinos of any race made up 15.9% of the population.
According to the survey, the top ten European ancestries were the following:
The borough has the highest proportion of Italian Americans of any county in the United States. Since the 2000 census, a large Russian community has been growing on Staten Island, particularly in the Rossville, South Beach, and Great Kills area. There is also a significant Polish community mainly in the South Beach and Midland Beach area and there is also a large Sri Lankan community on Staten Island, concentrated mainly on Victory Boulevard on the northeastern tip of Staten Island towards St. George. The Little Sri Lanka in the Tompkinsville neighborhood is one of the largest Sri Lankan communities outside of the country of Sri Lanka. The borough is also home to a Chinanteco-speaking Mexican American community.
Most of the borough’s African American and Hispanic residents live north of the Staten Island Expressway, or Interstate 278. In terms of religion, the borough’s population is largely Roman Catholic, peaking near 60 percent in the 2000 census. There is a growing presence of Egyptian Copts, most of whom are members of the Coptic Orthodox Church.
Per the 2009 American Community Survey, the median income for a household was $55,039, and the median income for a family was $64,333. Males had a median income of $50,081 versus $35,914 for females. The per capita income for the borough was $23,905. About 7.9% of families and 10.0% of the population were below the poverty line, including 13.2% of those under age 18 and 9.9% of those age 65 or over.
As of 2010, 70.39% (306,310) of Staten Island residents age 5 and older spoke only English at home, while 10.02% (43,587) spoke Spanish, 3.14% (13,665) Russian, 3.11% (13,542) Italian, 2.39% (10,412) Chinese, 1.81% (7,867) other Indo-European languages, 1.38% (5,990) Arabic, 1.01% (4,390) Polish, 0.88% (3,812) Korean, 0.80% (3,500) Tagalog, 0.76% (3,308) other Asian languages, 0.62% (2,717) Urdu, 0.57% (2,479) other Indic languages, and African languages were spoken as a main language by 0.56% (2,458) of the population over the age of five. In total, 29.61% (128,827) of Staten Island’s population age 5 and older spoke a mother language other than English.
Staten Island New York neighborhoods include: Annadale (Annadale-Railroad), Annadale (Brcly-Ardn-Amby-Byvw), Annadale (Hylan-Poilon), Annadale (Richmond Pkwy-Genesee), Annadale (Richmond Pkwy-Pompey), Arden Hts (Arden-Woodrow), Arden Hts (Arthur Kill-Annadale), Arden Hts (Carlton Park), Arden Hts (Huguenot-Arthur Kill), Arden Hts (Huguenot-Delmar), Arden Hts (Huguenot-Rosedale), Arden Hts (Jefferson-Brumgoole), Arden Hts (Village Greens), Arlington, Arrochar (Hylan-Snd-McClean-Reid), Arrochar (I278-Lily Pond-Rbn-Snd), Arrochar (Olympia-Boardwk), Arrochar (Qntrd-Snd-McCln-Olym), Arrochar (Roosevelet Boardwalk), Bay Street Landing, Blmfield-Travis (Park-Rivington), Blmfield-Travis (South-Edward), Blmfield-Travis (Vic-Arlne-Sgns), Blmfield-Travis (W Shore-Vic), Charlestone (Blmngdle-Shrrts-KVK), Charlestone (Shrts-Blmngdle-Vts), Charlestone (W Shore-Richmond), Clifton (Tompkins-Townsed), Concord (Bradys Pond Park), Dongan Hills (Doug Macarthur Pk), Dongan Hills (Hntr-Seaview-Msn), Dongan Hills (Hunter-Slater), Dongan Hills (Mason-Zoe-Seaver), Eltingville (Amboy-Genesee-Pmpey), Eltingville (Sycamore-Richmond), Ft Wadsworth (AVP Park), Graniteville (Amity-Rchmd), Graniteville (Jules-Arlene), Graniteville (MLK-Rchmd), Grasmere (Clove-Fingrbrd-Rchmnd), Great Kills (Amboy-Armstrong), Great Kills (Amboy-Bay Terrace), Great Kills (Armstrong-Brkfield), Great Kills (Armstrong-Hylan), Great Kills (Arthur Kill-Clarke), Great Kills (Arthur Kill-Corbin), Great Kills (Brkfield-Giffords), Great Kills (Genesee-Cortelyou), Great Kills (Genesee-Etingville), Great Kills (Giffords-Greaves), Great Kills (Keegans-Hylan), Great Kills (Nelson-Great Kills), Great Kills (Sycamore-Armstrong), Grymes Hill, Heartland Vlg (Frrst Hill-Pltnm), Heartland Vlg (Nome-Travis), Heartland Vlg (Rchmnd Hill-Marsh), Heartland Vlg (Rchmnd Hill-Nome), Heartland Vlg (Rockland-Travis), Lthouse Hill-Emrsn Hill (Bri-Mnr), Lthouse Hill-Emrsn Hill (Rchmnd), Mariners Harbor (Grandview), Mariners Harbor (Lake-Dixon), Mariners Harbor (Lake-Rchmd), Mariners Harbor (Maple-Linden), Mariners Harbor (Mariners Park), Mariners Harbor (South-Lick), Mariners Harbor (Union-Spirit), Midland Beach (Cedar Grove), Midland Beach (Mdlnd-FatherCpdno), Midland Beach (Mdlnd Field), New Brighton (Barrett Park), New Brighton (Cstltn-Bement), New Brighton (Cstltn-Glen-Wdstk), New Brighton (Forest-Hart), New Brighton (Franklin-Prospect), New Brighton (Henderson-Bard), New Brighton (Post-Greenleaf), New Brighton (Randall Manor), New Brighton (Richmond-Clove), New Brighton (Richmond-Davis), New Dorp (Grant City), New Dorp (Jefferson-Richmond), New Dorp (New Dorp-Bncrft), New Dorp (New Dorp-Mill), New Dorp (New Dorp Park), New Springfield (5th-Westshore), New Springfield (Frst Hill-Loop), New Springfield (Harold-Sunset), New Springfield (Holden-Gower), New Springfield (Holdn-Livngstn), New Springfield (Slsn-Nrwlk-Mnr), New Springfield (Willowbrook Pk), New Springfield (Woolley-Wstwood), New Sprrngfield (Rchmnd-Morani), Oakwood (Amboy-Guyon), Oakwood (Bay Terrace), Oakwood (Cedar Grove Beach), Oakwood (Central), Oakwood (Clawson Playground), Oakwood (Hylan-Aviston), Oakwood (Hylan Plaza), Oakwood (Richmond-Clarke), Oakwood (Richmond-Dalton), Old Town (Hylan-Reid), Old Town (Old Town), Old Town (Seavw-Brghr-Railrd), Old Town (Seavw-Crnlia-RR-Rchmnd), Park Hill (Eibs Pond Park), Park Hill (Targee-Sobel), Park Hill (Targee-Steuben), Port Richmond (Crystal-College), Port Richmond (Elm Park School), Port Richmond (Post-Rchmnd Terr), Port Richmond (Prt Rchmnd-Dcker), Port Richmond (Rchmnd Terr- Nic), Port Richmond (Willow-Willowbrk), Prince’s Bay (Bayview-Huguenot), Prince’s Bay (Cunninghm-Bayview), Rossville-Woodrow (Amboy-Foster), Rossville-Woodrow (Blmngdle Pk), Rossville-Woodrow (Blmngdle-Wnt), Rossville-Woodrow (Crrll-Rssvle), Rossville-Woodrow (Golf Course), Rossville-Woodrow (Hgnt-Drmgle), Rossville-Woodrow (St. Josephs), Stapleton-Rosebank (Bay-Hln-SG), Stapleton-Rosebank (Nrw-Fngrbrd), Stapleton-Rosebank (Nrw-Hln-Tmkn), Stapleton-Rosebank (Osgd-Trgee), Stapleton-Rosebank (St Mary-Bay), Stapleton-Rosebank (St Paul-Swn), Stapleton-Rosebank (Tappen Park), Stapleton-Rosebank (Tmkn-Mry-Bay), Stapleton-Rosebank (Warren-Bay), St George (Crescent-Benchwood), St George (Forest Hill Park), St George (Richmond-Carroll), St George (Richmond Terrace-Wall), St George (Scribner-Bismark), Todt Hill (Deere Park), Todt Hill (Todt Hill-4 Corners), Tompkinsville, Tottenville (Amboy-Cnghm-Page), Tottenville (Amboy-Sprague-Hylan), Tottenville (Ellis-Fisher-Amboy), Tottenville (Hylan-Sprague), Tottenville (Rchmnd-Amboy-A Kill), West Brighton (Sunset Hill), Westerleigh (Castle Corners), Westerleigh (Manor-Constant), Westerleigh (Manor-Ravenhurst), Westerleigh (Northerleigh Park), Westerleigh (Sunnyside), Westerleigh (Victoria-Ingram), Westerleigh (Victoria-Westcott), Westerleigh (Victory-Bryston), Westerleigh (Westerleigh Park)
For more information, see Staten Island New York wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step in obtaining auto financing 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 need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our auto finance 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 dealership. In order to get the best deal on new car financing, 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 financing a used car. 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 seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan to buy from a private seller.
Click the button below and fill out our quick and easy application form to get started right away!
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 Staten Island 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.
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 Staten Island 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.