Getting the best deal on a car loan can be tricky — especially in Rhode Island. 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 auto finance decisions even if your credit is less than stellar.
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Coordinates: 41°42′N 71°30′W / 41.7°N 71.5°W / 41.7; -71.5
The United States Census Bureau estimates that the population of Rhode Island was 1,056,298 on July 1, 2015, a 0.35% increase since the 2010 United States Census. The center of population of Rhode Island is located in Providence County, in the city of Cranston. A corridor of population can be seen from the Providence area, stretching northwest following the Blackstone River to Woonsocket, where 19th-century mills drove industry and development.
According to the 2010 Census, 81.4% of the population was White (76.4% non-Hispanic white), 5.7% was Black or African American, 0.6% American Indian and Alaska Native, 2.9% Asian, 0.1% Native Hawaiian and other Pacific Islander, 3.3% from two or more races. 12.4% of the total population was of Hispanic or Latino origin (they may be of any race).
Of the people residing in Rhode Island, 58.7% were born in Rhode Island, 26.6% were born in a different state, 2.0% were born in Puerto Rico, U.S. Island areas or born abroad to American parent(s), and 12.6% were foreign born.
According to the U.S. Census Bureau, as of 2015, Rhode Island had an estimated population of 1,056,298, which is an increase of 1,125, or 0.10%, from the prior year and an increase of 3,731, or 0.35%, since the year 2010. This includes a natural increase since the last census of 15,220 people (that is 66,973 births minus 51,753 deaths) and an increase due to net migration of 14,001 people into the state. Immigration from outside the United States resulted in a net increase of 18,965 people, and migration within the country produced a net decrease of 4,964 people.
Hispanics in the state make up 12.8% of the population, predominantly Dominican, Puerto Rican, and Guatemalan populations.
According to the 2000 U.S. Census, 84% of the population aged 5 and older spoke only American English, while 8.07% spoke Spanish at home, 3.80% Portuguese, 1.96% French, 1.39% Italian and 0.78% speak other languages at home accordingly.
The state’s most populous ethnic group, non-Hispanic white, has declined from 96.1% in 1970 to 76.5% in 2011. In 2011, 40.3% of Rhode Island’s children under the age of one belonged to racial or ethnic minority groups, meaning that they had at least one parent who was not non-Hispanic white.
6.1% of Rhode Island’s population were reported as under 5, 23.6% under 18, and 14.5% were 65 or older. Females made up approximately 52% of the population.
According to the 2010–2015 American Community Survey, the largest ancestry groups were Irish (18.3%), Italian (18.0%), English (10.5%), French (10.4%), and Portuguese (9.3%).
Rhode Island has a higher percentage of Americans of Portuguese ancestry, including Portuguese Americans and Cape Verdean Americans than any other state in the nation. Additionally, the state also has the highest percentage of Liberian immigrants, with more than 15,000 residing in the state. Italian Americans make up a plurality in central and southern Providence County and French-Canadian Americans form a large part of northern Providence County. Irish Americans have a strong presence in Newport and Kent counties. Americans of English ancestry still have a presence in the state as well, especially in Washington County, and are often referred to as “Swamp Yankees.” African immigrants, including Cape Verdean Americans, Liberian Americans, Nigerian Americans and Ghanaian Americans, form significant and growing communities in Rhode Island.
Although Rhode Island has the smallest land area of all 50 states, it has the second highest population density of any state in the Union, second to that of New Jersey.
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
A Pew survey of Rhode Island residents’ religious self-identification showed the following distribution of affiliations: Roman Catholic 43%, Protestant 27%, Jewish 1%, Orthodox 1%, Jehovah’s Witnesses 1%, Buddhism 1%, Mormonism 0.5%, Hinduism 0.5%, Islam 0.5% and Non-religious 23%. The largest denominations are the Roman Catholic Church with 456,598 adherents, the Episcopal Church with 19,377, the American Baptist Churches USA with 15,220, and the United Methodist Church with 6,901 adherents.
Rhode Island has the highest proportion of Roman Catholic residents of any state, mainly due to large Irish, Italian, and French-Canadian immigration in the past; recently, significant Portuguese and various Hispanic communities have also been established in the state. Though it has the highest overall Catholic percentage of any state, none of Rhode Island’s individual counties ranks among the 10 most Catholic in the United States, as Catholics are very evenly spread throughout the state.
The Jewish community of Rhode Island is centered in the Providence area, and emerged during a wave of Jewish immigration predominately from Eastern Europeans shtetls between 1880 and 1920. The presence of the Touro Synagogue in Newport, the oldest existing synagogue in the United States, emphasizes that these second-wave immigrants did not create Rhode Island’s first Jewish community; a comparatively smaller wave of Spanish and Portuguese Jews immigrated to Newport during the colonial era.
Rhode Island is divided into five counties but it has no county governments. The entire state is divided into municipalities, which handle all local government affairs.
There are 39 cities and towns in Rhode Island. Major population centers today result from historical factors; development took place predominantly along the Blackstone, Seekonk, and Providence Rivers with the advent of the water-powered mill. Providence is the base of a large metropolitan area.
The state’s 15 largest municipalities ranked by population are:
Some of Rhode Island’s cities and towns are further partitioned into villages, in common with many other New England states. Notable villages include Kingston in the town of South Kingstown, which houses the University of Rhode Island; Wickford in the town of North Kingstown, the site of an annual international art festival; and Wakefield where the Town Hall is located for the Town of South Kingstown.
5. East Providence
9. North Providence
10. South Kingstown
11. West Warwick
13. North Kingstown
Rhode Island neighborhoods include: Ashaway, Barrington, Block Island, Bradford, Bristol, Carolina, Central Falls, Charlestown, Chepachet, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Foster, Greenville, Harrisville, Hope, Hope Valley, Hopkinton, Johnston, Kenyon, Kingston, Lincoln, Little Compton, Manville, Mapleville, Middletown, Narragansett, Newport, North Kingstown, North Providence, North Scituate, North Smithfield, Oakland, Pascoag, Pawtucket, Peace Dale, Portsmouth, Providence, Prudence Island, Richmond, Riverside, Rumford, Saunderstown, Slatersville, Smithfield, Tiverton, Wakefield, Warren, Warwick, Westerly, West Greenwich, West Kingston, West Warwick, Wood River Junction, Woonsocket, Wyoming
For more information, see Rhode Island 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 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.
We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan 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 carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance 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!
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 Rhode Island. 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.
There are not many people in this world who do not get excited by the prospect of buying a new car. This excitement can sometimes be deflated by the whole finance thing. If your credit history is not so good, or basically non-existent, then you may need to find a bad credit car loan in Rhode Island.
The fact is buying a car for most people is one of the biggest purchases they will ever make. Owning a car is kind of like a right of passage for a lot of people, and definitely a sign of "coming of age" for most teenagers. Let face it, we all need a reliable car to get around, and most of us would rather drive a nice new or late car than an old bomb. But nice new or late model cars are obviously a lot more expensive than old cars, and that means that most of us will require some sort of finance.
The problem is that if you have a poor credit history, or have not had time to establish a good credit record, then it's going to feel like the whole financial system has it in for you. Unfortunately, banks and most financial or lending businesses do not look favorably on people with no or bad credit histories.
When buying a car, some things to keep in mind may include. If you are planning to buy a used car, get a friendly mechanic to give it a once-over. Keep in mind additional costs such as insurance, registration etc. And most importantly, to enjoy the pride and freedom that owning your own car creates.