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Newkirk is a city and county seat of Kay County, Oklahoma, United States. The population was 2,317 at the 2010 census.
Newkirk is located at 36°52′56″N 97°3′12″W / 36.88222°N 97.05333°W / 36.88222; -97.05333 (36.8822549, -97.0533717). According to the United States Census Bureau, the city has a total area of 1.3 square miles (3.4 km), all of it land.
Newkirk’s elevation is 1,152 feet (351 m). The town is on mostly flat terrain with no large watercourses nearby, and is situated at the boundary between two ecoregions: the Central Great Plains and the Flint Hills. West of the town in the Great Plains, the countryside is rich agricultural land, especially for wheat, soybeans, and cattle. East of town, the terrain in the Flint Hills is more rugged and rocky and is primarily used for cattle ranching. Natural vegetation is mostly prairie, but stream valleys often have fine forests of cottonwood, oak, elm, ash, pecan, sycamore, and other species. Scrub oak and red cedar dot many hillsides. Wildlife is abundant, including whitetail deer, turkey, bobwhite quail, coyote, bobcat, and waterfowl. A cougar attack on a person seven miles east of Newkirk was reported in 2002.
Newkirk lies 8 mi (13 km) south of the Kansas-Oklahoma border. A casino and other facilities owned by the Kaw Indian tribe are 1 mi (1.6 km) away. The Arkansas River is 6 mi (9.7 km) east of town. The bridge across the river crosses the upper end of Kaw Lake. Near the river are the Deer Creek/Bryson Paddock sites, where archaeologists have excavated the ruins of two prominent 18th-century Wichita Indian villages. Beyond the river, continuing east, is the picturesque, lightly populated, tallgrass prairie region with many large ranches. Locals call this region “The Osage” after Osage County, Oklahoma and the Osage Indians. The Washunga cemetery of the Kaw Indians is 2 mi (3.2 km) north of Newkirk. It was moved here to avoid having it covered by water when a dam created Kaw Lake. The Chilocco Indian Agricultural School, now closed, was 7 mi (11 km) north.
As of the census of 2000, 2,243 people, 928 households, and 607 families resided in the city. The population density was 1,728.5 people per square mile (666.2/km²). The 1,024 housing units averaged 789.1 per square mile (304.1/km²). The racial makeup of the city was 83.73% White, 1.20% African American, 8.69% Native American, 0.13% Asian, 0.85% from other races, and 5.39% from two or more races. Hispanics or Latinos of any race were 2.10% of the population.
Of the 928 households, 30.1% had children under the age of 18 living with them, 50.3% were married couples living together, 11.7% had a female householder with no husband present, and 34.5% were not families. About 31.4% of all households were made up of individuals, and 16.6% had someone living alone who was 65 years of age or older. The average household size was 2.35 and the average family size was 2.94.
In the city, the population was distributed as 25.0% under the age of 18, 9.0% from 18 to 24, 24.5% from 25 to 44, 23.8% from 45 to 64, and 17.8% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 98.7 males. For every 100 females age 18 and over, there were 92.0 males.
The median income for a household in the city was $27,941, and for a family was $38,125. Males had a median income of $28,984 versus $19,315 for females. The per capita income for the city was $14,971. About 11.0% of families and 16.4% of the population were below the poverty line, including 25.1% of those under age 18 and 10.5% of those age 65 or over.
Newkirk Oklahoma neighborhoods include: Newkirk
For more information, see Newkirk Oklahoma 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 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.
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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 Newkirk Oklahoma. 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 Newkirk Oklahoma 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.