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Tulsa /ˈtʌlsə/ is the second-largest city in the state of Oklahoma and 45th-most populous city in the United States. As of July 2016, the population was 413,505, an increase of 12,591 over that reported in the 2010 Census. It is the principal municipality of the Tulsa Metropolitan Area, a region with 991,005 residents in the MSA and 1,251,172 in the CSA. The city serves as the county seat of Tulsa County, the most densely populated county in Oklahoma, with urban development extending into Osage, Rogers, and Wagoner counties.
Tulsa is located in the northeastern corner of Oklahoma, 105 miles (169 km) northeast of Oklahoma City; situated between the edge of the Great Plains and the foot of the Ozarks in a generally forested region of rolling hills. The city touches the eastern extent of the Cross Timbers, an ecoregion of forest and prairie transitioning from the drier plains of the west to the wetter forests of the east. With a wetter climate than points westward, Tulsa serves as a gateway to “Green Country”, a popular and official designation for northeast Oklahoma that stems from the region’s green vegetation and relatively large number of hills and lakes compared to central and western areas of Oklahoma, which lie largely in the drier Great Plains region of the Central United States. Located near the western edge of the U.S. Interior Highlands, northeastern Oklahoma is the most topographically diverse part of the state, containing seven of Oklahoma’s 11 eco-regions and more than half of its state parks. The region encompasses 30 lakes or reservoirs and borders the neighboring states of Kansas, Missouri, and Arkansas. The geographic coordinates of the city of Tulsa are 36°7′53″N 95°56′14″W / 36.13139°N 95.93722°W / 36.13139; -95.93722 (36.131294, −95.937332), with an elevation of 700 feet (210 m) above sea level.
According to the 2010 Census, Tulsa had a population of 391,906 and the racial and ethnic composition was as follows:
As of the 2010 census, there were 391,906 people, 163,975 households, and 95,246 families residing in the city, with a population density of 2,033.4 inhabitants per square mile (785.1/km) There were 185,127 housing units at an average density of 982.3 per square mile (379.2/km). Of 163,975 households, 27% had children under the age of 18 living with them, 38.2% were married couples living together, 14.6% had a female householder with no husband present, and 41.9% were non-families. Of all households, 34.5% are made up of only one person, and 10% had someone living alone who was 65 years of age or older. The average household size was 2.34 people and the average family size was 3.04.
In the city proper, the age distribution was 24.8% of the population under the age of 18, 10.9% from 18 to 24, 29.9% from 25 to 44, 21.5% from 45 to 64, and 12.9% who were 65 years of age or older, while the median age was 34 years. For every 100 females, there were 93.5 males, while for every 100 females over the age of 17 there were 90.4 males. In 2011, the median income for a household in the city was $40,268 and the median income for a family was $51,977. The per capita income for the city was $26,727. About 19.4% of the population were below the poverty line. Of the city’s population over the age of 25, 29.8% holds a bachelor’s degree or higher, and 86.5% have a high school diploma or equivalent.
The Tulsa Metropolitan Area, or the region immediately surrounding Tulsa with strong social and economic ties to the city, occupies a large portion of the state’s northeastern quadrant. It is informally known as “Green Country”, a longstanding name adopted by the state’s official tourism designation for all of northeastern Oklahoma (its usage in relation to the Tulsa Metropolitan Area can be traced to the early part of the 20th century).
The Census Bureau defines the sphere of the city’s influence as the Tulsa Metropolitan Statistical Area (MSA), spanning seven counties: Tulsa, Rogers, Osage, Wagoner, Okmulgee, Pawnee, and Creek. The 2015 U.S. Census estimate shows the Tulsa MSA to have 981,005 residents In 2015, U.S. Census estimates show the Tulsa-Muscogee-Bartlesville CMSA to have 1,151,172 residents.
Tulsa has a diverse religious history, with significant communities of Christians, Jews, Muslims and others.
Tulsa is part of the Southern region demographers and commentators refer to as the “Bible Belt,” where Protestant and, in particular, Southern Baptist and other evangelical Christian traditions are very prominent. In fact, Tulsa, home to Oral Roberts University and to RHEMA Bible Training College (in Broken Arrow), is sometimes called the “buckle of the Bible Belt”. Beyond Oral Roberts and Kenneth E. Hagin, a number of prominent Protestant Christians have lived or studied in Tulsa, including Joel Osteen, Carlton Pearson, Kenneth Copeland, Billy Joe Daugherty, Smokie Norful and Billy James Hargis. Tulsa is also home to a number of vibrant Mainline Protestant congregations. Some of these congregations were founded during the oil boom of the early twentieth century and are noted for striking architecture, such as the art deco Boston Avenue Methodist Church and First Presbyterian Church of Tulsa.
While the state of Oklahoma has fewer Roman Catholics than the national average, Tulsa has a higher percentage owing in large part to the influx of Eastern and Midwestern settlers during the oil boom. Tulsa’s Catholic community is atypically prominent for a Southern city and includes Governor and U.S. Senator Dewey F. Bartlett, Congressmen James R. Jones and John A. Sullivan, Governor Frank Keating, U.S. Ambassador to the Holy See Francis Rooney, and Mayors Dewey F. Bartlett, Jr., Robert J. LaFortune, Bill LaFortune and G. T. Bynum. Holy Family Cathedral serves as the Cathedral for the Diocese of Tulsa.
Tulsa is also home to the largest Jewish community in Oklahoma, with active Reform, Conservative and Orthodox congregations. Tulsa’s Jewish community includes several of America’s most generous philanthropists including George Kaiser and Lynn Schusterman. Tulsa’s Sherwin Miller Museum of Jewish Art offers the largest collection of Judaica in the South-Central and Southwestern United States.
Tulsa is also home to the progressive All Souls Unitarian Church, reportedly the largest Unitarian Universalist congregation in the United States.
For more information, see Tulsa County Oklahoma 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 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 no down payment auto loans, don't worry. We can still help you.
Finally, use our car loan 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 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.
If you are looking to get the most value for your dollar, you will likely be better off looking for affordable 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 buy directly from a private party, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private sale.
No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.
We specialize in:
We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car 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.
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If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
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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 Tulsa County 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 Tulsa County 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.