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Texas (/ˈtɛksəs/, locally /ˈtɛksɪz/; Spanish: Texas or Tejas [ˈtexas]) is the second largest state in the United States by both area and population. Geographically located in the South Central region of the country, Texas shares borders with the U.S. states of Louisiana to the east, Arkansas to the northeast, Oklahoma to the north, New Mexico to the west, and the Mexican states of Chihuahua, Coahuila, Nuevo León, and Tamaulipas to the southwest, while the Gulf of Mexico is to the southeast.

Geography

Texas is the second-largest U.S. state, after Alaska, with an area of 268,820 square miles (696,200 km). Though 10% larger than France and almost twice as large as Germany or Japan, it ranks only 27th worldwide amongst country subdivisions by size. If it were an independent country, Texas would be the 40th largest behind Chile and Zambia.

Texas is in the south central part of the United States of America. Three of its borders are defined by rivers. The Rio Grande forms a natural border with the Mexican states of Chihuahua, Coahuila, Nuevo León, and Tamaulipas to the south. The Red River forms a natural border with Oklahoma and Arkansas to the north. The Sabine River forms a natural border with Louisiana to the east. The Texas Panhandle has an eastern border with Oklahoma at 100° W, a northern border with Oklahoma at 36°30′ N and a western border with New Mexico at 103° W. El Paso lies on the state’s western tip at 32° N and the Rio Grande.

With 10 climatic regions, 14 soil regions and 11 distinct ecological regions, regional classification becomes problematic with differences in soils, topography, geology, rainfall, and plant and animal communities. One classification system divides Texas, in order from southeast to west, into the following: Gulf Coastal Plains, Interior Lowlands, Great Plains, and Basin and Range Province.

The Gulf Coastal Plains region wraps around the Gulf of Mexico on the southeast section of the state. Vegetation in this region consists of thick piney woods. The Interior Lowlands region consists of gently rolling to hilly forested land and is part of a larger pine-hardwood forest.

The Great Plains region in central Texas is in spans through the state’s panhandle and Llano Estacado to the state’s hill country near Austin. This region is dominated by prairie and steppe. “Far West Texas” or the “Trans-Pecos” region is the state’s Basin and Range Province. The most varied of the regions, this area includes Sand Hills, the Stockton Plateau, desert valleys, wooded mountain slopes and desert grasslands.

Texas has 3,700 named streams and 15 major rivers, with the Rio Grande as the largest. Other major rivers include the Pecos, the Brazos, Colorado, and Red River. While Texas has few natural lakes, Texans have built over 100 artificial reservoirs.

The size and unique history of Texas make its regional affiliation debatable; it can be fairly considered a Southern or a Southwestern state, or both. The vast geographic, economic, and cultural diversity within the state itself prohibits easy categorization of the whole state into a recognized region of the United States. Notable extremes range from East Texas which is often considered an extension of the Deep South, to Far West Texas which is generally acknowledged to be part of the interior Southwest.

Demographics

The United States Census Bureau estimates the population of Texas was 28,701,845 on July 1, 2018, a 14.14 percent increase since the 2010 United States Census.

As of 2004, the state had 3.5 million foreign-born residents (15.6 percent of the state population), of which an estimated 1.2 million are illegal immigrants. Texas from 2000 to 2006 had the fastest growing illegal immigration rate in the nation. In 2010, illegal immigrants constituted an estimated 6.0 percent of the population. This was the fifth highest percentage of any state in the country. In 2015, the population of illegal immigrants living in Texas was around 800,000.

Texas’s Rio Grande Valley has seen significant migration from across the U.S.–Mexico border. During the 2014 crisis, many Central Americans, including unaccompanied minors traveling alone from Guatemala, Honduras, and El Salvador, reached the state, overwhelming Border Patrol resources for a time. Many sought asylum in the United States.

In 2009, the U.S. Department of Homeland Security estimated 1.68 million illegal immigrants lived in Texas. While the number of illegal immigrants living in the U.S. has declined since 2009, in Texas there was no change in population between 2009 and 2014.

Texas’s population density is 90.5 people per square mile (34.9/km) which is slightly higher than the average population density of the U.S. as a whole, at 80.6 people per square mile (31.1/km). In contrast, while Texas and France are similarly sized geographically, the European country has a population density of 301.8 people per square mile (116.5/km).

Two-thirds of all Texans live in a major metropolitan area such as Houston. The Dallas-Fort Worth Metropolitan Area is the largest in Texas. While Houston is the largest city in Texas and the fourth largest city in the United States, the Dallas-Fort Worth metropolitan area is larger than Houston.

As of the 2015 Texas Population Estimate Program, the population of the state was 27,469,114; non-Hispanic whites 11,505,371 (41.9%); Black Americans 3,171,043 (11.5%); other races 1,793,580 (6.5%); and Hispanics and Latinos (of any race) 10,999,120 (40.0%).

According to the 2010 United States census, the racial composition of Texas was the following:

In addition, 37.6 percent of the population are Hispanic or Latino (of any race) (31.6 percent Mexican, 0.9 percent Salvadoran, 0.5 percent Puerto Rican, 0.4 percent Honduran, 0.3 percent Guatemalan 0.3 percent Spaniard, 0.2 percent Colombian, 0.2 percent Cuban)

As of 2011, 69.8% of the population of Texas younger than age 1 were minorities (meaning they had at least one parent who was not non-Hispanic white).

German, Irish, and English Americans are the three largest European ancestry groups in Texas. German Americans make up 11.3 percent of the population, and number over 2.7 million members. Irish Americans make up 8.2 percent of the population, and number over 1.9 million members. There are roughly 600,000 French Americans and 472,000 Italian Americans residing in Texas; these two ethnic groups make up 2.5 percent and 2.0 percent of the population respectively. In the 1980 United States Census the largest ancestry group reported in Texas was English with 3,083,323 Texans citing they were of English or mostly English ancestry making them 27 percent of the state at the time. Their ancestry primarily goes back to the original thirteen colonies (the census of 1790 gives 48% of the population of English ancestry; together 12% Scots and Scots-Irish; 4.5% Irish South 90% were Protestant and 3% Welsh = 67.5% British; 13% were German, Swiss, Dutch and French Huguenots; 19% African-American, Colin Bonwick, The American Revolution, 1991, p. 254) and thus many of them today identify as “American” in ancestry, though they are of predominantly British stock. There are nearly 200,000 Czech-Americans living in Texas, the largest number of any state.

African Americans are the largest racial minority in Texas. Their proportion of population has declined since the early 20th century, after many left the state in the Great Migration. Blacks of both Hispanic and non-Hispanic origin make up 11.5 percent of the population; blacks of non-Hispanic origin form 11.3 percent of the populace. African Americans of both Hispanic and non-Hispanic origin number at roughly 2.7 million individuals.

Native Americans are a smaller minority in the state. Native Americans make up 0.5 percent of Texas’s population, and number over 118,000 individuals. Native Americans of non-Hispanic origin make up 0.3 percent of the population, and number over 75,000 individuals. Cherokee made up 0.1 percent of the population, and numbered over 19,400 members. In contrast, only 583 identified as Chippewa.

Asian Americans are a sizable minority group in Texas. Americans of Asian descent form 3.8 percent of the population, with those of non-Hispanic descent making up 3.7 percent of the populace. They total more than 808,000 individuals. Non-Hispanic Asians number over 795,000. Just over 200,000 Indian Americans make Texas their home. Texas is also home to over 187,000 Vietnamese and 136,000 Chinese. In addition to 92,000 Filipinos and 62,000 Koreans, there are 18,000 Japanese Americans living in the state. Lastly, over 111,000 people are of other Asian ancestry groups, such as Cambodian, Thai, and Hmong. Sugar Land, a city within the Houston metropolitan area, and Plano, within the Dallas metropolitan area, both have high concentrations of ethnic Chinese and Korean residents. The Houston and Dallas areas, and to a lesser extent, the Austin metropolitan area, all contain substantial Vietnamese communities.

Americans with origins from the Pacific are the smallest minority in Texas. According to the survey, only 18,000 Texans are Pacific Islanders; 16,400 are of non-Hispanic descent. There are roughly 5,400 Native Hawaiians, 5,300 Guamanians, and 6,400 people from other groups. Samoan Americans were scant; only 2,920 people were from this group. The city of Euless, a suburb of Fort Worth, contains a sizable population of Tongan Americans, at nearly 900 people, over one percent of the city’s population. Killeen has a sufficient population of Samoans and Guamanian, and people of Pacific Islander descent surpass one percent of the city’s population.

Multiracial individuals are also a visible minority in Texas. People identifying as multiracial form 1.9 percent of the population, and number over 448,000 people. Almost 80,000 Texans claim African and European heritage, and make up 0.3 percent of the population. People of European and American Indian ancestry number over 108,800 (close to the number of Native Americans), and make up 0.5 percent of the population. People of European and Asian ancestry number over 57,600, and form just 0.2 percent of the population. People of African and Native American ancestry were even smaller in number (15,300), and make up just 0.1 percent of the total population.

Hispanics and Latinos are the second-largest group in Texas after non-Hispanic European Americans. Over 8.5 million people claim Hispanic or Latino ethnicity. This group forms over 37 percent of Texas’s population. People of Mexican descent alone number over 7.9 million, and make up 31.6 percent of the population. The vast majority of the Hispanic/Latino population in the state is of Mexican descent, the next two largest groups are Salvadorans and Puerto Ricans. There are over 222,000 Salvadorans and over 130,000 Puerto Ricans in Texas. Other groups with large numbers in Texas include Hondurans, Guatemalans, Nicaraguans and Cubans, among others. The Hispanics in Texas are more likely than in some other states (such as California) to identify as white; according to the 2010 U.S. Census, Texas is home to 6,304,207 White Hispanics and 2,594,206 Hispanics of “some other race” (usually mestizo).

German descendants inhabit much of central and southeast-central Texas. Over one-third of Texas residents are of Hispanic origin; while many have recently arrived, some Tejanos have ancestors with multi-generational ties to 18th century Texas. In addition to the descendants of the state’s former slave population, many African American college graduates have come to the state for work recently in the New Great Migration. Recently, the Asian population in Texas has grown—primarily in Houston and Dallas. Other communities with a significantly growing Asian American population is in Austin, Corpus Christi, San Antonio, and the Sharyland area next McAllen, Texas. Three federally recognized Native American tribes reside in Texas: the Alabama-Coushatta Tribe, the Kickapoo Traditional Tribe, and the Ysleta del Sur Pueblo.

In 2010, 49 percent of all births were Hispanics; 35 percent were non-Hispanic whites; 11.5 percent were non-Hispanic blacks, and 4.3 percent were Asians/Pacific Islanders. Based on Census Bureau data released on February 2011, for the first time in recent history, Texas’s white population is below 50 percent (45 percent) and Hispanics grew to 38 percent. Between 2000 and 2010, the total population growth by 20.6 percent, but Hispanics growth by 65 percent, whereas non-Hispanic whites only grew by 4.2 percent. Texas has the fifth highest rate of teenage births in the nation and a plurality of these are to Hispanics.

The state has three cities with populations exceeding one million: Houston, San Antonio, and Dallas. These three rank among the 10 most populous cities of the United States. As of 2010, six Texas cities had populations greater than 600,000 people. Austin, Fort Worth, and El Paso are among the 20 largest U.S. cities. Texas has four metropolitan areas with populations greater than a million: Dallas–Fort Worth–Arlington, Houston–Sugar Land–Baytown, San Antonio–New Braunfels, and Austin–Round Rock–San Marcos. The Dallas–Fort Worth and Houston metropolitan areas number about 6.3 million and 5.7 million residents, respectively.

Three interstate highways—I-35 to the west (Dallas–Fort Worth to San Antonio, with Austin in between), I-45 to the east (Dallas to Houston), and I-10 to the south (San Antonio to Houston) define the Texas Urban Triangle region. The region of 60,000 square miles (160,000 km) contains most of the state’s largest cities and metropolitan areas as well as 17 million people, nearly 75 percent of Texas’s total population. Houston and Dallas have been recognized as beta world cities. These cities are spread out amongst the state. Texas has 254 counties, which is more than any other state by 95 (Georgia).

In contrast to the cities, unincorporated rural settlements known as colonias often lack basic infrastructure and are marked by poverty. The office of the Texas Attorney General stated, in 2011, that Texas had about 2,294 colonias and estimates about 500,000 lived in the colonias. Hidalgo County, as of 2011, has the largest number of colonias. Texas has the largest number of people of all states, living in colonias.

The most common accent or dialect spoken by natives throughout Texas is sometimes referred to as Texan English, which itself is a sub-variety of a broader category of American English known as Southern American English. Creole language is spoken in East Texas. In some areas of the state—particularly in the large cities – Western American English and General American English, have been on the increase. Chicano English—due to a growing Hispanic population—is widespread in South Texas, while African-American English is especially notable in historically minority areas of urban Texas.

As of 2010, 65.8% (14,740,304) of Texas residents age 5 and older spoke only English at home, while 29.2% (6,543,702) spoke Spanish, 0.75 percent (168,886) Vietnamese, and Chinese (which includes Cantonese and Mandarin) was spoken by 0.56% (122,921) of the population over the age of five.

Other languages spoken include German (including Texas German) by 0.33% (73,137,) Tagalog with 0.29% (73,137) speakers, and French (including Cajun French) was spoken by 0.25% (55,773) of Texans. Reportedly, Cherokee is the most widely spoken Native American language in Texas.

In total, 34.2% (7,660,406) of Texas’s population aged five and older spoke a language at home other than English.

The largest denominations by number of adherents in 2010 were the Roman Catholic Church (4,673,500); the Southern Baptist Convention (3,721,318); the United Methodist Church with (1,035,168); and Islam (421,972).

Known as the buckle of the Bible Belt, East Texas is socially conservative. The Dallas–Fort Worth metroplex is home to three major evangelical seminaries and a host of Bible schools. Lakewood Church in Houston, boasts the largest attendance in the nation averaging more than 43,000 weekly.

Adherents of many other religions reside predominantly in the urban centers of Texas. In 1990, the Islamic population was about 140,000 with more recent figures putting the current number of Muslims between 350,000 and 400,000. The Jewish population is around 128,000. Around 146,000 adherents of religions such as Hinduism and Sikhism live in Texas. It is the fifth-largest Muslim-populated state in the country.

Neighborhoods

Texas neighborhoods include: Abbott, Abernathy, Abilene, Addison, Adkins, Alamo, Alamo Heights, Alba, Aledo, Alice, Allen, Alleyton, Alpine, Alto, Alton, Alvarado, Alvin, Alvord, Amarillo, Amherst, Anahuac, Anderson, Andrews, Angleton, Anna, Anthony, Anton, Aquilla, Aransas Pass, Argyle, Arlington, Armstrong, Arp, Art, Arthur City, Asherton, Atascosa, Athens, Aubrey, Aurora, Austin, Austwell, Axtell, Azle, Bacliff, Balch Springs, Bandera, Bangs, Barksdale, Bartlett, Bartonville, Bastrop, Batson, Bay City, Bayside, Baytown, Beach City, Beasley, Beaumont, Beckville, Bedford, Bedias, Bee Cave, Beeville, Bellaire, Bellevue, Bells, Bellville, Belton, Benbrook, Ben Franklin, Ben Wheeler, Bergheim, Bertram, Big Sandy, Big Wells, Bishop, Blanco, Blanket, Bleiblerville, Blessing, Bloomington, Blossom, Blue Mound, Blue Ridge, Bluff Dale, Bluffton, Blum, Boerne, Bogata, Boling, Bonham, Bon Wier, Booker, Bowie, Boyd, Brackettville, Brashear, Brazoria, Bremond, Brenham, Bridge City, Bridgeport, Briggs, Brock, Bronson, Brookeland, Brookesmith, Brookshire, Brookston, Brownfield, Brownsboro, Brownsville, Brownwood, Bruceville, Bruni, Bryan, Bryson, Buchanan Dam, Buckholts, Buda, Buffalo, Buffalo Gap, Bullard, Bulverde, Buna, Burkburnett, Burke, Burkeville, Burleson, Burlington, Burnet, Burton, Byers, Bynum, Caddo Mills, Caldwell, Call, Calliham, Callisburg, Calvert, Cameron, Campbell, Campbellton, Canton, Canutillo, Canyon, Canyon Lake, Carlsbad, Carlton, Carmine, Carrizo Springs, Carrollton, Carthage, Castell, Castroville, Cat Spring, Cedar Creek, Cedar Hill, Cedar Park, Celeste, Celina, Center Point, Chandler, Channelview, Chappell Hill, Charlotte, Cherokee, Chester, Chico, Chilton, China Spring, Christoval, Cibolo, Cleburne, Cleveland, Clint, Clute, Clyde, Coldspring, Coleman, College Station, Colleyville, Collinsville, Colmesneil, Columbus, Comanche, Combine, Comfort, Commerce, Como, Comstock, Concan, Concepcion, Conroe, Converse, Cookville, Coolidge, Cooper, Coppell, Copperas Cove, Corinth, Corpus Christi, Corrigan, Corsicana, Cottonwood Shores, Cotulla, Coupland, Cove, Covington, Crandall, Cranfills Gap, Crawford, Creedmoor, Cresson, Crockett, Crosby, Crosbyton, Cross Plains, Crossroads, Crowley, Cuero, Cumby, Cypress, Cypress Mill, Dale, Dalhart, Dallas, Dalworthington Gardens, Damon, Danbury, Danevang, Davilla, Dayton, De Berry, Decatur, Deer Park, De Leon, Del Rio, Del Valle, Denison, Denton, Denver City, Deport, Desdemona, Desoto, Detroit, Devers, Devine, Deweyville, D Hanis, Diana, Diboll, Dickinson, Dime Box, Dimmitt, Dodd City, Donie, Donna, Doss, Driftwood, Dripping Springs, Dublin, Duncanville, Dyess Afb, Eagle Lake, Eagle Pass, Early, Earth, East Bernard, Ector, Edcouch, Eddy, Edgewood, Edinburg, Edna, El Campo, Electra, Elgin, Elkhart, El Lago, Ellinger, Elmaton, Elmendorf, Elm Mott, El Paso, Emory, Encinal, Ennis, Eola, Era, Euless, Eustace, Evant, Fairfield, Fair Oaks Ranch, Falls City, Farmers Branch, Farmers Brnch, Farmersville, Fayetteville, Ferris, Fischer, Flat, Flatonia, Flint, Florence, Floresville, Flower Mound, Floydada, Fluvanna, Follett, Forestburg, Forest Hill, Forney, Forreston, Fort Worth, Fowlerton, Franklin, Frankston, Fred, Fredericksburg, Freeport, Freer, Fresno, Friendswood, Frisco, Frost, Fulshear, Gainesville, Galena Park, Galveston, Gardendale, Garden Ridge, Garland, Garrison, Garwood, Gary, Gatesville, Georgetown, George West, Giddings, Gilmer, Gladewater, Glenn Heights, Glen Rose, Glidden, Godley, Goldsboro, Goldsmith, Goldthwaite, Gonzales, Goodfellow Afb, Gordon, Gordonville, Gorman, Graford, Graham, Granbury, Grand Prairie, Grandview, Granger, Granite Shls, Grapeland, Grapevine, Greenville, Groesbeck, Groves, Grulla, Gun Barrel City, Gunter, Gustine, Guy, Hale Center, Hallettsville, Hallsville, Haltom City, Hamilton, Hamshire, Hankamer, Happy, Hargill, Harker Heights, Harleton, Harlingen, Harper, Hart, Harwood, Haslet, Hawkins, Hawley, Hearne, Heartland, Heath, Helotes, Hemphill, Hempstead, Henderson, Henrietta, Hermleigh, Hewitt, Hickory Creek, Hico, Hidalgo, Hideaway, Higgins, Highlands, Highland Village, Hillister, Hillsboro, Hitchcock, Hockley, Holland, Holliday, Holly Lake Ranch, Hondo, Honey Grove, Horizon City, Horseshoe Bay, Houston, Howe, Hubbard, Hudson Oaks, Huffman, Hull, Humble, Hunt, Huntington, Huntsville, Hurst, Hutchins, Hutto, Hye, Idalou, Industry, Inez, Ingleside, Ingram, Iola, Iowa Park, Ira, Iredell, Irving, Italy, Itasca, Ivanhoe, Jacksboro, Jacksonville, Jarrell, Jasper, Jefferson, Jermyn, Jersey Village, Joaquin, Johnson City, Jonesboro, Jonestown, Joshua, Jourdanton, Junction, Justin, Karnack, Katy, Kaufman, Keene, Keller, Kemah, Kemp, Kempner, Kendalia, Kennard, Kennedale, Kerrville, Kilgore, Killeen, Kingsbury, Kingsland, Kingsville, Kingwood, Kirbyville, Klondike, Knippa, Kountze, Kress, Krugerville, Krum, Kyle, La Coste, Ladonia, La Feria, Lago Vista, La Grange, Laguna Heights, Laguna Vista, La Joya, Lake City, Lake Creek, Lake Dallas, Lakehills, Lake Jackson, Lakeside, Lakeway, Lake Worth, La Marque, Lampasas, Lancaster, Laneville, Lantana, La Porte, Laredo, Larue, La Vernia, Lavon, Lawn, League City, Leander, Ledbetter, Leesburg, Leonard, Levelland, Lewisville, Lexington, Liberty, Liberty Hill, Lincoln, Lindale, Lindsay, Linn, Lipan, Little Elm, Littlefield, Little River Academy, Live Oak, Liverpool, Livingston, Llano, Lockhart, Lockney, Lolita, Lometa, Lone Oak, Long Branch, Longview, Loop, Loraine, Lorena, Los Fresnos, Louise, Lovelady, Lubbock, Lufkin, Luling, Lumberton, Lyford, Lytle, Mabank, Madisonville, Magnolia, Malakoff, Malone, Manchaca, Manor, Mansfield, Manvel, Marathon, Marble Falls, Marion, Markham, Marshall, Mart, Martindale, Mason, Masterson, Matagorda, Mathis, Maxwell, May, Maypearl, McAllen, McCoy, Mc Dade, Mc Gregor, McKinney, Mc Queeney, Meadow, Meadowlakes, Medina, Melissa, Mercedes, Mereta, Merit, Merkel, Mertens, Mesquite, Mico, Midfield, Midland, Midlothian, Midway, Milam, Milano, Miles, Milford, Millsap, Mineola, Mineral Wells, Mingus, Mirando City, Mission, Missouri City, Montague, Montalba, Mont Belvieu, Monte Alto, Montgomery, Moody, Morton, Moulton, Mountain City, Mountain Home, Mount Calm, Mount Enterprise, Mount Pleasant, Mount Vernon, Muenster, Muldoon, Mullin, Murchison, Murphy, Natalia, Naval Air Station/ Jrb, Navasota, Nederland, Needville, Nemo, Nevada, Newark, New Braunfels, New Caney, Newton, New Ulm, New Waverly, Niederwald, Nixon, Nocona, Nolanville, Northlake, North Richland Hills, North Zulch, Oakalla, Oakhurst, Oakwood, Odem, Odessa, Oglesby, Old River-Winfree, Olmito, Olton, Omaha, Orange, Orange Grove, Ore City, Ovalo, Overton, Ovilla, Paige, Palacios, Palestine, Palmer, Palmhurst, Palmview, Palo Pinto, Pantego, Paradise, Paris, Pasadena, Pattison, Pattonville, Pearland, Pecan Gap, Penelope, Pep, Perrin, Petersburg, Petrolia, Petty, Pflugerville, Pharr, Pilot Point, Pinehurst, Pineland, Pipe Creek, Pittsburg, Plainview, Plano, Plantersville, Pleasanton, Pledger, Point, Pointblank, Pollok, Ponder, Pontotoc, Poolville, Port Aransas, Port Arthur, Port Bolivar, Porter, Port Isabel, Portland, Port Lavaca, Port Neches, Port O Connor, Post, Poteet, Poth, Pottsboro, Pottsville, Powderly, Prairie Hill, Price, Princeton, Prosper, Providence Village, Purmela, Quemado, Quinlan, Quitman, Rainbow, Rancho Viejo, Ranger, Ransom Canyon, Ravenna, Realitos, Red Oak, Red Rock, Refugio, Reklaw, Reno, Rhome, Richards, Richardson, Richland, Richland Hills, Richmond, Richwood, Riesel, Ringgold, Rio Frio, Rio Hondo, Rio Medina, Rio Vista, Rising Star, River Oaks, Riviera, Roanoke, Robinson, Robstown, Roby, Rochelle, Rockdale, Rockport, Rocksprings, Rockwall, Rogers, Ropesville, Rosanky, Roscoe, Rosebud, Rosenberg, Rosharon, Rosston, Round Mountain, Round Rock, Round Top, Rowlett, Roxton, Royse City, Runaway Bay, Rusk, Sabinal, Sachse, Sadler, Saginaw, Saint Hedwig, Saint Jo, Salado, Saltillo, San Angelo, San Antonio, San Benito, Sandia, San Diego, San Elizario, Sanger, San Juan, San Marcos, San Perlita, San Saba, Santa Anna, Santa Fe, Santa Maria, Santa Rosa, Santo, Saratoga, Sarita, Savannah, Savoy, Schertz, Schulenburg, Scotland, Scroggins, Scurry, Seabrook, Seadrift, Seagoville, Seagraves, Sealy, Seguin, Selma, Selman City, Seminole, Shady Shores, Shallowater, Shavano Park, Shenandoah, Shepherd, Sheppard Afb, Sherman, Shiner, Sidney, Silsbee, Sinton, Skidmore, Slaton, Smithville, Snyder, Socorro, Somerset, Sonora, Sour Lake, South Houston, Southlake, South Padre Island, Spicewood, Splendora, Spring, Spring Branch, Springlake, Springtown, Spurger, Stafford, Stagecoach, Stanton, Star, Stephenville, Stockdale, Stonewall, Strawn, Streetman, Sudan, Sugar Land, Sullivan City, Sumner, Sunnyvale, Sunrise Beach, Sunset, Sunset Valley, Sutherland Springs, Sweeny, Sweetwater, Sylvester, Taft, Talco, Tarpley, Tatum, Taylor, Teague, Telephone, Temple, Tenaha, Tennessee Colony, Terlingua, Terrell, Texas City, Texline, The Colony, The Hills, Thorndale, Thrall, Three Rivers, Tilden, Timpson, Tioga, Tivoli, Tolar, Tomball, Tool, Tow, Trent, Trenton, Trinidad, Trinity, Trophy Club, Troup, Troy, Tulia, Tuscola, Tye, Tyler, Tynan, Universal City, Utopia, Uvalde, Valley Mills, Valley Spring, Valley View, Van, Van Alstyne, Vancourt, Vanderpool, Van Vleck, Venus, Victoria, Vidor, Vinton, Von Ormy, Waco, Wadsworth, Waelder, Wall, Waller, Wallis, Wallisville, Waring, Warren, Washington, Waskom, Watauga, Waxahachie, Wayside, Weatherford, Webberville, Webster, Weimar, Welch, Wells, Weslaco, West, Westbrook, West Columbia, Westlake, West Lake Hills, West Orange, West Point, West Tawakoni, Westworth Village, Wharton, Whiteface, Whitehouse, White Oak, Whitesboro, White Settlement, Whitewright, Whitney, Whitsett, Whitt, Wichita Falls, Wiergate, Willis, Willow City, Willow Park, Wills Point, Wilmer, Wimberley, Windom, Windthorst, Winfield, Wingate, Winnie, Winnsboro, Winona, Winters, Wolfe City, Wolfforth, Woodsboro, Woodville, Woodway, Wortham, Wylie, Yancey, Yantis, Yoakum, Ysleta Del Sur Pueblo, Zavalla, Zephyr

For more information, see Texas wiki

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Locations Served

Abbott, Abernathy, Abilene, Ables Springs, Acton, Addison, Adkins, Adrian, Alamo, Alamo Heights, Aldine, Aledo, Alice, Allen, Alleyton, Alma, Alpine, Alton, Alvarado, Alvin, Alvord, Amarillo, Amphion, Anahuac, Anchorage, Anderson County, Andrews, Andrews County, Angelina County, Angleton, Anna, Annetta, Annetta North, Annetta South, Aransas County, Aransas Pass, Arcadia Park, Archer City, Archer County, Argyle, Arlington, Armstrong County, Arp, Atascocita, Atascosa, Atascosa County, Athens, Atlanta, Aubrey, Aurora, Austin, Austin County, Avalon, Axtell, Azle, Bacliff, Bailey County, Balch Springs, Balcones Heights, Ballinger, Bandera, Bandera County, Bandera Falls, Bangs, Banquete, Bardwell, Bartlett, Bartonville, Bastrop, Bastrop County, Bay City, Baylor County, Baytown, Beaumont, Bedford, Bedias, Bee County, Beeville, Bell County, Bellaire, Bells, Bellville, Belton, Ben Wheeler, Benbrook, Bergheim, Bergs Mill, Bexar County, Big Sandy, Big Spring, Bigfoot, Blanco, Blanco County, Blanket, Blossom, Blue Mound, Blue Ridge, Boerne, Boling, Bolivar, Bolivar Peninsula, Bonham, Borden County, Borger, Bosque County, Bouchard, Bowie, Bowie County, Boyd, Bracken, Brady, Brazoria, Brazoria County, Brazos County, Breckenridge, Brenham, Brewster County, Briar, Briarcliff, Bridge City, Bridgeport, Briscoe County, Brock, Bronte, Brooks City Base, Brooks County, Brookshire, Brown County, Brownfield, Brownsboro, Brownsville, Brownwood, Bruceville Eddy, Brushy Creek, Bryan, Buda, Buffalo, Buffalo Gap, Bullard, Bulverde, Buna, Burkburnett, Burleson, Burleson County, Burnet, Burnet County, Byers, Caddo Mills, Calaveras, Caldwell County, Calhoun County, Callahan County, Cameron, Cameron County, Cameron Park, Camp County, Camp Wood, Campbell, Canadian, Canton, Canyon, Canyon Lake, Carmine, Carpenter, Carrizo Springs, Carrollton, Carson County, Carthage, Cashion Community, Cass County, Castle Hills, Castro County, Castroville, Cedar Creek, Cedar Hill, Cedar Park, Celeste, Celina, Center, Chambers County, Chandler, Channelview, Chappell Hill, Charlotte, Cherokee County, Chico, Childress, Childress County, China, China Grove, China Spring, Chireno, Christine, Cibolo, Cinco Ranch, Cisco, Clarksville, Clarksville City, Clay County, Cleburne, Cleveland, Clifton, Clint, Cloverleaf, Clute, Clyde, Coahoma, Cochran County, Cockrell Hill, Coke County, Coldspring, Cole, Coleman, Coleman County, College Station, Colleyville, Collin County, Collingsworth County, Collinsville, Colmesneil, Colorado City, Colorado County, Columbia Heights, Columbus, Comal County, Comanche, Comanche County, Combine, Comfort, Commerce, Concho County, Conroe, Converse, Cooke County, Cool, Cooper, Copeville, Coppell, Copper Canyon, Copperas Cove, Corinth, Corpus Christi, Corral City, Corsicana, Coryell County, Cottle County, Cottonwood, Cottonwood Shores, Cotulla, Covington, Crandall, Crane, Crane County, Cresson, Crockett, Crockett County, Crosby County, Crosbyton, Cross Mountain, Cross Roads, Cross Timber, Crowley, Crystal City, Cuero, Culberson County, Cushing, Cypress, Daingerfield, Daisetta, Dale, Dalhart, Dallam County, Dallas, Dallas County, Dalworthington Gardens, Danbury, Dawson County, Dayton, De Kalb, De Leon, De Witt County, Deaf Smith County, Deberry, Decatur, Decordova, Deer Park, Del Rio, Del Valle, Delta County, Denison, Dennis, Denton, Denton County, Denver City, Desoto, Detroit, Devine, Dewees, Dhanis, Diboll, Dickens County, Dickinson, Dimmit County, Dish, Dobbin, Dodd City, Donley County, Donna, Double Oak, Driftwood, Dripping Springs, Dublin, Dumas, Duncanville, Dunlay, Durant, Duval County, Dyess Air Force Base, Eagle Ford, Eagle Mountain, Eagle Pass, Early, East Bernard, Eastland, Eastland County, Ector County, Edcouch, Edgecliff Village, Edgewood, Edinburg, Edna, Edwards County, El Campo, El Paso, El Paso County, Elgin, Elizabethtown, Ellis County, Elm Mott, Elmendorf, Elmo, Emory, Ennis, Erath County, Euless, Eustace, Evant, Everman, Fair Oaks Ranch, Fairfield, Fairview, Falcon Heights, Falfurrias, Falls County, Fannin County, Farmers Branch, Farmersville, Fate, Fayette County, Ferris, Fischer, Fisher County, Flatonia, Flint, Florence, Floresville, Flower Mound, Floyd, Floyd County, Floydada, Foard County, Forest Hill, Forney, Forreston, Fort Bend County, Fort Bliss, Fort Hood, Fort Stockton, Fort Worth, Franklin, Franklin County, Fredericksburg, Freeport, Freer, Freestone County, Fresno, Friendswood, Frio County, Friona, Frisco, Fruitdale, Gaines County, Gainesville, Galena Park, Galveston, Galveston County, Gamer, Garden Ridge, Garland, Garrett, Garza County, Gatesville, George West, Georgetown, Geronimo, Giddings, Gifford, Gillespie County, Gilmer, Gladewater, Glasscock County, Glen Rose, Glenn Heights, Godley, Goldthwaite, Goliad, Goliad County, Gonzales, Gonzales County, Goodfellow Air Force Base, Gordonville, Gorman, Graham, Granbury, Grand Prairie, Grand Saline, Grandview, Grapeland, Grapevine, Gray County, Grays Prairie, Grayson County, Greenville, Greenwood, Gregg County, Grey Forest, Grimes County, Groesbeck, Groves, Gruver, Guadalupe County, Gun Barrel City, Gunter, Hackberry, Hale County, Hall County, Hallettsville, Hallsville, Haltom City, Hamilton, Hamilton County, Hamlin, Hansford County, Happy, Hardeman County, Hardin County, Harker Heights, Harlandale, Harleton, Harlingen, Harper, Harris County, Harrison County, Hartley County, Harwood, Haskell County, Haslet, Hawk Cove, Hawkins, Hawley, Hays County, Heafer, Hearne, Heartland, Heath, Hebron, Helotes, Hemphill, Hemphill County, Hempstead, Henderson, Henderson County, Hereford, Hewitt, Hickory Creek, Hico, Hidalgo County, Highland, Highland Haven, Highland Park, Highland Village, Highlands, Hill Country Village, Hill County, Hillsboro, Hitchcock, Hockley, Hockley County, Holland, Hollywood Park, Homestead Meadows South, Hondo, Hood County, Hooks, Hopkins County, Horizon City, Horseshoe Bay, Houston, Houston County, Howard County, Hubbard, Hudson, Hudson Bend, Hudson Oak, Hudspeth County, Huffman, Hughes Springs, Humble, Hunt County, Huntington, Huntsville, Hurst, Hutchins, Hutchinson County, Hutto, Hye, Idalou, Ike, Inez, Ingleside, Iowa Colony, Iowa Park, Irion County, Irving, Italy, Ivanhoe, Jacinto City, Jack County, Jackson County, Jacksonville, Jarrell, Jasper, Jasper County, Jeff Davis County, Jefferson, Jefferson County, Jim Hogg County, Jim Wells County, Johnson City, Johnson County, Jones County, Josephine, Joshua, Jourdanton, Justin, Karnes City, Karnes County, Katy, Kaufman, Kaufman County, Keene, Keller, Kemah, Kemp, Kempner, Kendall County, Kenedy, Kenedy County, Kennedale, Kent County, Kenwood, Kerens, Kermit, Kerr County, Kerrville, Kicaster, Kilgore, Killeen, Kimble County, King County, Kingsbury, Kingsland, Kingsville, Kingwood, Kinney County, Kirby, Kirbyville, Kleberg County, Knollwood, Knox City, Knox County, Kosse, Kountze, Krugerville, Krum, Kyle, La Feria, La Grange, La Marque, La Porte, La Pryor, La Salle County, La Vernia, Lackland Air Force Base, Lacoste, Ladonia, Lake Bridgeport, Lake Dallas, Lake Dunlap, Lake Jackson, Lake Worth, Lakehills, Lakeside, Lakeside City, Lakeside Town, Lakeway, Lakewood Village, Lamar County, Lamb County, Lamesa, Lampasas, Lampasas County, Lancaster, Lantana, Laredo, Larue, Laughlin Air Force Base, Lavaca County, Lavon, League City, Leander, Lee County, Leesburg, Lefors, Leming, Leon County, Leon Springs, Leon Valley, Leonard, Levelland, Lewisville, Lexington, Liberty, Liberty County, Liberty Hill, Lillian, Limestone County, Lincoln Park, Lindale, Lipscomb County, Little Elm, Live Oak, Live Oak County, Liverpool, Livingston, Llano, Llano County, Llano Grande, Lockhart, Lone Oak, Lone Star, Long Branch, Longhorn, Longview, Losoya, Louise, Loving County, Lowry Crossing, Lubbock, Lubbock County, Lucas, Lufkin, Luling, Lumberton, Lynn County, Lytle, Mabank, Macdona, Madison County, Madisonville, Magnolia, Malakoff, Manor, Mansfield, Manvel, Marble Falls, Marion, Marion County, Marlin, Marshall, Martin County, Martinez, Mason County, Matagorda, Matagorda County, Mathis, Maverick County, Maxwell, Maypearl, Mcallen, Mccamey, Mcculloch County, Mcgregor, Mckinney, Mckinney Acres, Mclendon Chisholm, Mclennan County, Mcmullen County, Mcqueeney, Meaders, Medina, Medina County, Melissa, Memphis, Menard County, Mercedes, Mereta, Merit, Merkel, Mesquite, Mexia, Mico, Midland, Midland County, Midlothian, Milam County, Miles, Milford, Mills County, Millsap, Mineral Wells, Mission, Mission Bend, Mission San Jose, Missouri City, Mitchell County, Mobile City, Monahans, Montague County, Montgomery, Montgomery County, Moody, Moore, Moore County, Morris County, Morton, Motley County, Mount Enterprise, Mount Pleasant, Mount Vernon, Mouton, Murphy, Nacogdoches, Nacogdoches County, Naples, Nash, Natalia, Navarro County, Navasota, Nederland, Needville, Nevada, New Berlin, New Boston, New Braunfels, New Caney, New Fairview, New Hope, New Territory, New Ulm, Newark, Newton County, Neylandville, Nixon, Nocona, Nocona Hills, Nolan County, Nolanville, Normanna, North Loop, North Richland Hills, Northcliffe, Northlake, Nueces County, Oak Cliff, Oak Grove, Oak Island, Oak Leaf, Oak Point, Oak Ridge, Ochiltree County, Odessa, Oldham, Oldham County, Olmito, Olmos Park, Olney, Onalaska, Orange, Orange County, Orange Grove, Overton, Ovilla, Ozona, Palestine, Palmer, Palo Alto Heights, Palo Alto Park, Palo Pinto, Palo Pinto County, Paloma Creek, Pampa, Pandora, Panhandle, Panola County, Pantego, Paradise, Paris, Parker, Parker County, Parmer County, Pasadena, Pearland, Pearsall, Pearson, Peaster, Pecan Acres, Pecan Grove, Pecos, Pecos County, Pelican Bay, Penitas, Perrin, Perryton, Petersburg, Pflugerville, Pharr, Phoenix, Pickton, Pilot Point, Pineland, Pipe Creek, Pittsburg, Plainview, Plano, Plantersville, Pleasanton, Poetry, Point, Polk County, Pollok, Poolville, Port Arthur, Port Lavaca, Port Neches, Porter Heights, Portland, Post, Post Oak Bend City, Poteet, Poth, Potter County, Pottsboro, Powderly, Premont, Presidio County, Princeton, Prosper, Providence Village, Purdon, Quanah, Quihi, Quinlan, Quitman, Rains County, Randall County, Randolph Air Force Base, Ranger, Rankin, Ravenna, Rawlins, Reagan County, Real County, Red Oak, Red River County, Redwood, Reeves County, Refugio, Refugio County, Reinhardt, Rendon, Reno, Reno City, Rhome, Richardson, Richland, Richland Hills, Richmond, Rio Grande City, Rio Medina, Rio Vista, Rising Star, River Oaks, Riviera, Roanoke, Roberts County, Robertson County, Robstown, Roby, Rockdale, Rockett, Rockport, Rockwall, Rockwall County, Rogers, Roscoe, Rosebud, Rosenberg, Rosharon, Rosser, Round Rock, Rowlett, Royse City, Rule, Runnels County, Rusk, Rusk County, Sabine County, Sachse, Sadler, Saginaw, Saint Paul, Salado, Salado Junction, San Angelo, San Antonio, San Augustine, San Augustine County, San Benito, San Diego, San Elizario, San Jacinto County, San Jose, San Juan, San Marcos, San Patricio County, San Perlita, San Saba County, San Ygnacio, Sanctuary, Sand Branch, Sandia, Sandy Oaks, Sanger, Sansom Park, Santa Clara, Santa Fe, Saspamco, Savannah, Savoy, Sayers, Scenic Oaks, Schertz, Schleicher County, Schulenburg, Scottsville, Scurry, Scurry County, Seabrook, Seagoville, Sealy, Seguin, Selma, Shackelford County, Shady Shores, Shamrock, Shavano Park, Shelby County, Shelbyville, Shepherd, Sherman, Sherman County, Sidney, Sienna Plantation, Silsbee, Sinton, Skidmore, Slidell, Smith County, Snyder, Socorro, Somerset, Somervell County, Somerville, Somvervell County, Sour Lake, South Houston, South Padre Island, South San Antonio, Southlake, Spicewood, Splendora, Spring, Spring Branch, Springtown, Spur, St Hedwig, Stafford, Stamford, Staples, Starr County, Stephens County, Stephenville, Sterling County, Stockdale, Stonewall County, Stratford, Streetman, Sugar Land, Sulphur Springs, Sunnyvale, Sunray, Sutherland Springs, Sutton County, Sweeny, Sweetwater, Swisher County, Taft, Taft Southwest, Talty, Tarpley, Tarrant County, Taylor, Taylor County, Taylor Lake Village, Teague, Telico, Temple, Tennessee Colony, Terrell, Terrell County, Terrell Hills, Terrell Wells, Terry County, Texarkana, Texas City, Texline, The Colony, The Woodlands, Thrall, Three Rivers, Throckmorton County, Timberwood Park, Titus County, Tolar, Tom Green County, Tomball, Travis County, Trinity, Trinity County, Trophy Club, Troup, Troy, Trumbull, Tulia, Tyler, Tyler County, Union Valley, Universal City, University Park, Upshur County, Upton County, Uvalde, Uvalde County, Uvalde Estates, Val Verde County, Valley Mills, Van Alstyne, Van Vleck, Van Zandt County, Vance Jackson, Vanderpool, Venus, Vernon, Victoria, Victoria County, Vidor, Von Ormy, Waco, Waelder, Walker County, Waller, Waller County, Wallis, Walnut Springs, Ward County, Waring, Warren, Washington County, Waskom, Watauga, Waxahachie, Weatherford, Webb County, Webster, Weimar, Welfare, Wellington, Weslaco, West, West Columbia, West Odessa, West Point, West Tawakoni, West University Place, Westlake, Westminster, Weston, Weston Lakes, Westover Hills, Westworth Village, Wharton, Wharton County, Wheeler County, White Deer, White Oak, White Settlement, Whitehouse, Whitesboro, Whitewright, Whitt, Wichita County, Wichita Falls, Wiergate, Wilbarger County, Willacy County, Williamson County, Willis, Willow Park, Wills Point, Wilmer, Wilson, Wilson County, Wilson County 2, Wimberley, Windcrest, Winkler County, Winona, Wise County, Withers, Wolfe City, Wood County, Woodson, Woodville, Woodway, Wortham, Wylie, Yancey, Yantis, Yoakum County, Yorktown, Young County, Zapata County, Zavala County, Zuehl

Steps to Apply For An Auto Loan

1 - Budget For Your Purchase

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.

Guaranteed Auto Financing in Texas

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 an auto loan for bad credit with no money down, don't worry. We can still help you.

Finally, use our auto refi calculator to estimate your monthly payment.

2 - Choose Whether You Want a New or Used Car

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 bad credit 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 an auto loan pre-approval 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 no down payment 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 get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.

3 - Apply For Your Car Loan

Click the button below and fill out our quick and easy application form to get started right away!

What You Should Know About The Best Auto Financing in Texas

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.

Save $50 off Credit Repair Service - Applies to first-work fee for each spouse sign-up.

We specialize in:

  • Good Credit Car Loans
  • Fair Credit Car Loans
  • Bad Credit Auto Financing
  • Poor Credit Car Finance
  • Horrible Credit Car Financing
  • and Car Loans With No Credit History

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!


Buying A Car With No Credit?

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 Texas. Large commercial banks don't want anything to do with personal loans, especially financing new cars. Car Loans No Credit HistoryIn 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.

What a Buyer Might Face With No Credit Car Loans

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.


Car Finance Explained

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 Texas.Car Finance Approval 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.

Can't Wait Months To Increase Your Credit Score?

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.

What's A Good Score For An Auto Loan?

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!

Where Do I Get My Credit Score?

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.

What If I Can't Qualify For A Bank Car Loan?

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.

What If The Payments Aren't Affordable?

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.



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