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Tulsa /ˈtʌlsə/ is the second-largest city in the state of Oklahoma and 47th-most populous city in the United States. As of July 2016, the population was 405,506, an increase of 10,591 over that reported in the 2010 Census. It is the principal municipality of the Tulsa Metropolitan Area, a region with 981,005 residents in the MSA and 1,151,172 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, 99 miles (159 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 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 rich and diverse religious history, with notable and culturally 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, is sometimes called the “buckle of the Bible Belt”. Beyond Oral Roberts, 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 their 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.
Tulsa Oklahoma neighborhoods include: 31-41 & Garnett-129, 31st/Kenosha Ave, 31st Street, 41st St, 51St-Mingo, 71st, 73rd / King, 91st / Lewis, Airport, Annahlee Heights, Archer St, Arrowwood, Ashton Hollow, Audubon, Autumn Ridge, Aviation View, Avondale, Barrington Place, Battle Creek Park, Bayberry Place, Bedford, Bellaire Heights, Berryhill, Berry Hill Acres, Birmingham Ave, Black Dog, Boman Acres East, Boston Terrace, Braden Park, Bradford Place, Brady Heights, Briardale, Briarglen, Bridle Trail Estates, Brighton Oaks, Bristol Park, Broken Arrow, Brookline Square/8800 Quebec, Brookside, Brookwood, Bruner Hill, Bryn Mawr, Bunker Hill, Burmingham, Burning Tree, Cambridge Square, Camelot Park, Candlelight, Carbondale, Cascata, Cedarcrest, Cedar Crest II, Cedar Ridge Heights, Central Midtown, Century East, Charter Oak, Charyl Lynn Acres, Cherokee Hills, Cherry Hills, Chimney Hills Estates, Chimney Ridge, Clarland Acres, Clinton Area, Colefax Hill, Columbus, CountryClub Gardens, Country Gentleman Estates, Country Oaks Patio, Crawford Park, Creekwood Apts, Creekwood/S Memorial Dr, Crescent, Crosbie Heights, Crown Pointe, Crystal Creek, Cunningham, Cypress Creek, Darlington South, Dawson, Delaware Pointe, Denver, Disney, Downtown, Dunbar, E 15th, E 51st St/S 129th Ave, East 11th St, East 79th Street Circle, Eastland Acres, Eastland Park, East Lynn, Eastmoor Park, Easton Heights, Edison 41st, Esplanade Condominiums, Eugene Field, Evergreen, E Woodrow, Fieldstone, Florence Park, Forest Creek, Forest Glen, Forest Oaks, Forest Orchard, Forest Pointe, Forest Trails, Fox Briar, Fox Pointe, Franciscan, French Creek Patio Homes, Fulton, Gates of Forest Park, Gleason Village, Glenhaven, Golden Hill, Goldies, Golf Estates, Grandview Manor, Greenfield Acres, Greenwood, Hampton Hills, Hampton South, Harber Hills, Harlow Creek, Harvard-51st, Harvard Heights, Harvard Hills, Haskell, Heatherridge, Heller Park, Heritage Apartments, Heritage Hills Detroit, High Field, Highland Park, Highland-Red Fork, Highview Estates, Hill Haven, Holliday Hills, Homestead, Houstonia Home Sites, Hunters Bend, Hunter’s Hills, Hunters Pointe, Hunters Run, Huntington Place, James Place, Jefferson Hills, Johansen Acres, John Starks Park, Katy Trail, Kendall-Whittier, Kingston, Kirkdale, Kirkmoore, Lacy Park, Lakeview Heights, Latimer400, Laurel Heights, Layman/Van Acre, Legacy Park, Leisure Estates, Lewiston Gardens, Lexington, Lincoln, Litchfield, Livingston Park, Loma Linda, Longview Acres North, Longview Lake Estates, Lortondale, Louisville, Lynn Lane, Magic Circle North, Maple Ridge, Maplewood East, Marshall Pl, Maudlin Acres, Max Campbell, Mayfair, Mayo, McClure Park, Mclain, Meadowbrook, Meadows, Michael Heights, Mid-Town Village, Mill Creek Bridge, Mill Creek Pond, Millicent Crossing, Millwood Estates, Mingo Valley, Minshall Park, Minshall Pointe, Moeller, Mohawk, Monterey, Morgan Homes, Mountain Manor, N 73rd Ave/E Newton Pl, N Garrison St, N Lakewood, N Lewis – Flat Rock Creek, Northgate, Northridge, North Star, Northwest Cherry Street, Norwood Ave, Oakbrook, Oak Forest South, Oak Hurst, Oak Leaf, Oak Tree Village, O’Brien Park, One Eton Square, Orchard Park, OSU Tulsa MLK, Owen Park, Oxford Court, Ozark Garden Farms, Park Dale, Park Grove, Park Hills, Park Plaza South, Parkview Terrace, Parkview Villiage, Pine and Sheridan, Pine/Harvard, Plaza Hill, Pleasant Valley Estates, Pleasant View, Pregler Estates, Preston Woods, Quail Creek, Quail Pointe, Quail Ridge, Ranch Acres, Ravens Crossing, Red Fork Lookout Mt. East, Reed Park, Regency Park, Remington at Memorial, Renaissance Neighborhood Association, Reserve at Forrest Hills, Reservoir Hill, Ridge Crest, Ridge Park, Ridge Pointe, Ridgewood, Riverchase, Riverside Dr, Riverside Park Apts, Riverside South, Riverview, Riverwood South, Rolling Hills Three, Rose Dew, Rose Hill District, Rosewood, Rustic Hills, S 129th E Ave, S 26th W Ave, S 35th W Ave, S 79th E, Sandites, Sandusky, Sans Souci, Serenity Park, Shadow Mountain, Shadow Ridge, Shannon Park East, Sharon Heights, Sheridan Hale Acres, Sheridan Heights, Sheridan Hills South, Sheridan Park, Sheridan South, Sheridan Terrace, Sheridan Valley, Sherwood Forest, Silver Chase, Silver Oaks, Silverwood, Skyline West, Slightly’off, Sheridan, Sonoma Grande, Sonoma-Willard, South Country Estates, South Creekside, Southern Cross, Southern Hills, Southern Oaks Estates, Southern Park, Southern Plaza, Southern Pointe, Southern Woods Estates, Southfield Estates, South Haven, Southmont Estates, South Oaks, Southridge Estates, South Springs, South Towne Square, Spartan Court, Springdale, Spring Valley, State Farm – 129th, Stonebriar Estates, Stonebrooke, Stone Creek, Stonegate, Strait, Suburban Highlands, Sugarberry, Summerfield, Summit Heights, Sunchase, Sungate, Sun Meadow, Sunrise Terrace, Sunset Hills, Sunwood Hills, Swan Lake, Sweetbriar East, Sweetbrier 69th E Place, Tamarac, Tanglewood, TCC North, Terrace Drive, Terwilleger Heights, The Addison, The Boulevard, The Courtyards, The Pearl, The Place, The Timbers, The Village at Central, Thousand Oaks, Timbercrest, Timber Ridge Estates, Towne Park, Tracy Park North, Trinity Creek, Tudors, Tudor Village, Tulsa Southeast Industrial District, Turnerpark, University Park, Upper Diamond, Valley Homes, Valley South, Valley View Acres West, Vern Station, Vienna Woods, Village at Ashton Creek, Villages at the Legends, Villa Grove, W 41st, W 45th/S 35th W, W 47th St, W 4th St, W 68th St/S Houston Ave, Wagon Wheel, Walnut Creek, Warrenton, Waterstone, Wedgewood VI, Wedgwood, Wellington South, Wellsford Oak Apt, Wenmoor, Western Village, West Highlands III, West Highlands West, Westport, West Side, Wexford, White City, Wild Mountain, Williams Park, Willow Creek, Wind River Cross Timbers, Winnetka Heights, Woodbine, Woodcrest, Wood Crest, Woodfield, Woodlake Village, Woodland Glen, Woodlands, Woodland View, Woodlawn Oaks, Woodview Heights, Yale Ave, Yorktown, Zenith Ave
For more information, see Tulsa Oklahoma 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 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.
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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 Tulsa 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.
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 Tulsa Oklahoma. 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.