The Best Virginia Car Loans – VA

Virginia (/vərˈdʒɪniə/ (listen)), officially the Commonwealth of Virginia, is a state in the Southeastern and Mid-Atlantic regions of the United States located between the Atlantic Coast and the Appalachian Mountains. Virginia is nicknamed the “Old Dominion” due to its status as the first English colonial possession established in mainland North America and “Mother of Presidents” because eight U.S. presidents were born there, more than any other state. The geography and climate of the Commonwealth are shaped by the Blue Ridge Mountains and the Chesapeake Bay, which provide habitat for much of its flora and fauna. The capital of the Commonwealth is Richmond; Virginia Beach is the most populous city, and Fairfax County is the most populous political subdivision. The Commonwealth’s estimated population as of 2017 is over 8.4 million.

Geography

Virginia has a total area of 42,774.2 square miles (110,784.7 km), including 3,180.13 square miles (8,236.5 km) of water, making it the 35th-largest state by area. Virginia is bordered by Maryland and Washington, D.C. to the north and east; by the Atlantic Ocean to the east; by North Carolina to the south; by Tennessee to the southwest; by Kentucky to the west; and by West Virginia to the north and west. Virginia’s boundary with Maryland and Washington, D.C. extends to the low-water mark of the south shore of the Potomac River. The southern border is defined as the 36° 30′ parallel north, though surveyor error led to deviations of as much as three arcminutes. The border with Tennessee was not settled until 1893, when their dispute was brought to the U.S. Supreme Court.

Demographics

The United States Census Bureau estimates that the state population was 8,411,808 on July 1, 2016, a 5.1% increase since the 2010 United States Census. This includes an increase from net migration of 381,969 people into the Commonwealth since the 2010 census. Immigration from outside the United States resulted in a net increase of 159,627 people, and migration within the country produced a net increase of 155,205 people. As of 2000, the center of population is located in Goochland County, near Richmond.

Aside from Virginia, the top birth state for Virginians is New York, having overtaken North Carolina in the 1990s, with the Northeast accounting for the largest number of migrants into the state by region.

The state’s most populous ethnic group, Non-Hispanic White, has declined as a proportion of population from 76% in 1990 to 63% in 2015, as other ethnicities have increased. In 2011, non-Hispanic Whites were involved in 51% of all the births. People of English heritage settled throughout the Commonwealth during the colonial period, and others of British and Irish heritage have since immigrated. Those who identify on the census as having “American ethnicity” are predominantly of English descent, but have ancestors who have been in North America for so long that they choose to identify simply as American. Of the English immigrants to Virginia in the 17th century, 75% came as indentured servants. The western mountains have many settlements that were founded by Scots-Irish immigrants before the American Revolution. There are also sizable numbers of people of German descent in the northwestern mountains and Shenandoah Valley. On the 2010 American Community Survey, 11.7% said they were of German ancestry. 2.9% of Virginians also describe themselves as biracial.

The largest minority group in Virginia is African American, at 19.7% as of 2015. Most African-American Virginians have been descendants of enslaved Africans who worked on tobacco, cotton, and hemp plantations. The first generations of enslaved men, women and children were brought from West and West-Central Africa, primarily from Angola and the Bight of Biafra. The Igbo ethnic group of what is now southern Nigeria were the single largest African group among slaves in Virginia. Many African Americans also have European and Native American ancestry. Though the black population was reduced by the Great Migration to northern industrial cities in the first half of the 20th century, since 1965 there has been a reverse migration of blacks returning south. According to the Pew Research Center, the state has the highest number of black-white interracial marriages in the US.

More recent immigration in the late 20th century and early 21st century has resulted in new communities of Hispanics and Asians. As of 2015, 9.0% of Virginians are Hispanic or Latino (of any race), and 6.5% are Asian. The state’s Hispanic population rose by 92% from 2000 to 2010, with two-thirds of Hispanics in the state living in Northern Virginia. Hispanic citizens in Virginia have higher median household incomes and educational attainment than the general state population. There is a large Salvadoran population in the DC suburbs of Northern Virginia, and a large Puerto Rican population in the Hampton Roads region of Southeast Virginia. Northern Virginia also has a significant population of Vietnamese Americans, whose major wave of immigration followed the Vietnam War. Korean Americans have migrated more recently, attracted by the quality school system. The Filipino American community has about 45,000 in the Hampton Roads area, many of whom have ties to the U.S. Navy and armed forces.

Additionally, 0.5% of Virginians are American Indian or Alaska Native, and 0.1% are Native Hawaiian or other Pacific Islander. Virginia has extended state recognition to eight Native American tribes resident in the state; six of these gained federal recognition as tribes in 2018, and two were already recognized. Most Native American groups are located in the Tidewater region.

As of 2011, 49.1% of Virginia’s population younger than age 1 were minorities (meaning that they had at least one parent who was not non-Hispanic white).

As of 2010, 85.9% (6,299,127) of Virginia residents age 5 and older spoke English at home as a primary language, while 6.4% (470,058) spoke Spanish, 0.8% (56,518) Korean, 0.6% (45,881) Vietnamese, 0.6% (42,418) Chinese (which includes Mandarin), and Tagalog was spoken as a main language by 0.6% (40,724) of the population over the age of five. In total, 14.1% (1,036,442) of Virginia’s population age 5 and older spoke a mother language other than English. English was passed as the Commonwealth’s official language by statutes in 1981 and again in 1996, though the status is not mandated by the Constitution of Virginia.

The Piedmont region is known for its dialect’s strong influence on Southern American English. While a more homogenized American English is found in urban areas, various accents are also used, including the Tidewater accent, the Old Virginia accent, and the anachronistic Elizabethan of Tangier Island.

Virginia is predominantly Christian and Protestant; Baptists are the largest single group with 27% of the population as of 2008. Baptist congregations in Virginia have 763,655 members. Baptist denominational groups in Virginia include the Baptist General Association of Virginia, with about 1,400 member churches, which supports both the Southern Baptist Convention and the moderate Cooperative Baptist Fellowship; and the Southern Baptist Conservatives of Virginia with more than 500 affiliated churches, which supports the Southern Baptist Convention. Roman Catholics are the second-largest religious group with 673,853 members. The Roman Catholic Diocese of Arlington includes most of Northern Virginia’s Catholic churches, while the Diocese of Richmond covers the rest.

The Virginia Conference is the regional body of the United Methodist Church in most of the Commonwealth, while the Holston Conference represents much of extreme Southwest Virginia. The Virginia Synod is responsible for the congregations of the Lutheran Church. Presbyterian, Pentecostal, Congregationalist, and Episcopalian adherents each composed less than 2% of the population as of 2010. The Episcopal Diocese of Virginia, Southern Virginia, and Southwestern Virginia support the various Episcopal churches.

In November 2006, 15 conservative Episcopal churches voted to split from the Diocese of Virginia over the ordination of openly gay bishops and clergy in other dioceses of the Episcopal Church; these churches continue to claim affiliation with the larger Anglican Communion through other bodies outside the United States. Though Virginia law allows parishioners to determine their church’s affiliation, the diocese claimed the secessionist churches’ buildings and properties. The resulting property law case, ultimately decided in favor of the mainline diocese, was a test for Episcopal churches nationwide.

Among other religions, adherents of The Church of Jesus Christ of Latter-day Saints constitute 1% of the population, with 200 congregations in Virginia as of 2017. Fairfax Station is the site of the Ekoji Buddhist Temple, of the Jodo Shinshu school, and the Hindu Durga Temple. While the state’s Jewish population is small, organized Jewish sites date to 1789 with Congregation Beth Ahabah. Muslims are a growing religious group throughout the Commonwealth through immigration. Megachurches in the Commonwealth include Thomas Road Baptist Church, Immanuel Bible Church, and McLean Bible Church. Several Christian universities are also based in the state, including Regent University, Liberty University, and Lynchburg College.

Neighborhoods

Virginia neighborhoods include: Abingdon, Afton, Aldie, Alexandria, Allisonia, Altavista, Alton, Amelia Court House, Amissville, Annandale, Appalachia, Appomattox, Ararat, Arcola, Arlington, Aroda, Ashburn, Ashland, Atkins, Axton, Aylett, Banco, Bandy, Barboursville, Barhamsville, Barren Springs, Baskerville, Bassett, Bastian, Basye, Bealeton, Beaverdam, Bedford, Bent Mountain, Bentonville, Bergton, Berryville, Big Island, Big Stone Gap, Birdsnest, Blacksburg, Blackstone, Blackwater, Blairs, Bland, Bluefield, Bluemont, Blue Ridge, Bohannon, Boones Mill, Boston, Boyce, Boydton, Boykins, Bracey, Branchville, Brandy Station, Bremo Bluff, Bridgewater, Brightwood, Bristol, Bristow, Broadford, Broadlands, Broad Run, Broadway, Brodnax, Brookneal, Bruington, Buchanan, Buena Vista, Buffalo Junction, Bumpass, Burgess, Burke, Burr Hill, Callands, Callao, Callaway, Calverton, Cape Charles, Capron, Cardinal, Carrollton, Carrsville, Carson, Casanova, Cascade, Castleton, Castlewood, Catawba, Catharpin, Catlett, Cedar Bluff, Centreville, Ceres, Chantilly, Charles City, Charlottesville, Chase City, Chatham, Chesapeake, Chester, Chesterfield, Chester Gap, Chilhowie, Christiansburg, Church Road, Church View, Churchville, Clarksville, Claudville, Clear Brook, Clifton, Clifton Forge, Clintwood, Cloverdale, Cobbs Creek, Coeburn, Coleman Falls, Collinsville, Colonial Beach, Colonial Heights, Columbia, Concord, Copper Hill, Courtland, Covesville, Covington, Craigsville, Criders, Crimora, Cross Junction, Crozet, Crozier, Culpeper, Dahlgren, Daleville, Damascus, Danville, Dayton, Deerfield, Delaplane, Deltaville, Dewitt, Diggs, Dinwiddie, Disputanta, Doswell, Draper, Drewryville, Dry Fork, Dublin, Duffield, Dumfries, Dungannon, Dunn Loring, Dunnsville, Dutton, Dyke, Eagle Rock, Earlysville, Edinburg, Eggleston, Elkton, Elkwood, Elliston, Emporia, Esmont, Etlan, Evington, Ewing, Exmore, Faber, Fairfax, Fairfax Station, Fairfield, Fairlawn, Falls Church, Falls Mills, Farnham, Ferrum, Fieldale, Fincastle, Fishersville, Floyd, Ford, Forest, Fork Union, Fort Belvoir, Fort Blackmore, Fort Defiance, Fort Lee, Fort Valley, Foster, Franklin, Franktown, Fredericksburg, Freeman, Free Union, Front Royal, Ft Myer, Fulks Run, Gainesville, Galax, Gasburg, Gate City, Glade Hill, Glade Spring, Gladstone, Gladys, Glasgow, Glen Allen, Glen Lyn, Gloucester, Gloucester Point, Goldbond, Goldvein, Goochland, Goode, Goodview, Gordonsville, Gore, Goshen, Great Falls, Greenville, Greenway, Greenwood, Gretna, Grottoes, Gum Spring, Gwynn, Hague, Hallieford, Hamilton, Hampton, Hanover, Hardy, Hardyville, Harrisonburg, Hartfield, Hayes, Haymarket, Haywood, Heathsville, Henrico, Henry, Herndon, Highland Springs, Hillsville, Hiltons, Hinton, Hiwassee, Hopewell, Hot Springs, Howardsville, Huddleston, Hume, Huntly, Hurt, Irvington, Ivor, Jamaica, Jamestown, Jarratt, Java, Jeffersonton, Jewell Ridge, Keeling, Keene, Keezletown, Kents Store, Keswick, Kilmarnock, King And Queen Court House, King George, King William, Kinsale, La Crosse, Lafayette, Lambsburg, Lancaster, Laneview, Lanexa, Lawrenceville, Leesburg, Leon, Lexington, Lignum, Lincoln, Linden, Linville, Little Plymouth, Locust Dale, Locust Grove, Locust Hill, Long Island, Lorton, Lottsburg, Louisa, Lovettsville, Lowry, Luray, Lynchburg, Lynch Station, Lyndhurst, Machipongo, Madison, Maidens, Manakin Sabot, Manassas, Manassas Park, Manquin, Marion, Markham, Marshall, Martinsville, Mathews, Mattaponi, Maurertown, Max Meadows, Mc Gaheysville, Mc Kenney, McLean, Mc Lean, Meadowview, Mechanicsville, Mendota, Middlebrook, Middleburg, Middletown, Midland, Midlothian, Mineral, Mitchells, Moneta, Montpelier, Montross, Montvale, Moon, Moseley, Mount Crawford, Mount Jackson, Mount Sidney, Mount Solon, Mount Weather, Mouth Of Wilson, Narrows, Nassawadox, Natural Bridge, Natural Bridge Station, Nelson, New Castle, New Kent, New Market, New Point, Newport, Newport News, Newsoms, Newtown, Nickelsville, Nokesville, Norfolk, North, North Garden, North Tazewell, Norton, Oakpark, Oakton, Oilville, Onemo, Orange, Orkney Springs, Paeonian Springs, Palmyra, Pamplin, Paris, Partlow, Patrick Springs, Pearisburg, Pembroke, Penhook, Penn Laird, Petersburg, Phenix, Pilot, Pittsville, Poquoson, Port Haywood, Port Republic, Portsmouth, Pound, Pounding Mill, Powhatan, Pratts, Prince George, Prospect, Providence Forge, Pulaski, Purcellville, Quantico, Quicksburg, Quinton, Radford, Radiant, Raphine, Rapidan, Raven, Red House, Red Oak, Reedville, Reliance, Remington, Reston, Reva, Rhoadesville, Richardsville, Rich Creek, Richlands, Richmond, Ridgeway, Rileyville, Riner, Ringgold, Ripplemead, Rixeyville, Roanoke, Rochelle, Rockbridge Baths, Rockville, Rocky Mount, Rosedale, Roseland, Round Hill, Ruckersville, Rural Retreat, Rustburg, Ruther Glen, Saint Paul, Saint Stephens Church, Salem, Saltville, Saluda, Sandston, Sandy Hook, Sandy Level, Schuyler, Scottsville, Seaford, Sedley, Shacklefords, Shawsville, Shenandoah, Skippers, Skipwith, Smithfield, Somerset, South Boston, South Hill, Spencer, Sperryville, Spotsylvania, Spout Spring, Springfield, Spring Grove, Stafford, Staffordsville, Stanardsville, Stanley, Stanleytown, Star Tannery, State Farm, Staunton, Stephens City, Stephenson, Sterling, Stevensburg, Stevensville, Stonega, Stone Ridge, Stony Creek, Strasburg, Stuart, Stuarts Draft, Suffolk, Sugar Grove, Sumerduck, Surry, Susan, Sutherland, Sutherlin, Swoope, Swords Creek, Syria, Tappahannock, Tazewell, Thaxton, The Plains, Timberville, Toano, Toms Brook, Topping, Triangle, Troutdale, Troutville, Troy, Union Hall, Unionville, Upperville, Urbanna, Vernon Hill, Verona, Vesuvius, Vienna, Vinton, Virgilina, Virginia Beach, Wake, Wakefield, Walkerton, Warm Springs, Warrenton, Warsaw, Waterford, Water View, Waynesboro, Weber City, Weems, West Augusta, West Point, Weyers Cave, White Post, White Stone, Whitetop, Whitewood, Wicomico Church, Williamsburg, Wilsons, Winchester, Windsor, Wirtz, Wise, Woodbridge, Woodford, Woodstock, Wytheville, Yorktown, Zion Crossroads, Zuni

For more information, see Virginia wiki

Vehicle Loans Coverage Area For Virginia

Getting A Car Loan With Bad Credit

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 Virginia 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.

New Car Dealerships

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.

Online Loan Matching Services

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.