Let’s see, how do I write this year’s Christmas newsletter? Andy had a stroke in January, our insurance covered 12% of the cost, his employer let him go with two week’s severance, he didn’t have disability coverage, I had to get a job just to keep us out of foreclosure, we lost all our charge cards and we have bad credit and no savings and the kids have no insurance now either.

Somehow, I have to make this a good Christmas.  With just $200 or $300 we could drive to my sister’s in Atlanta to spend the holidays there. But of course I have bad credit, so credit cards aren’t my answer.  A few days ago I saw a car title loan store on Park Avenue and thought about our minivan, paid for in full two years ago.  I didn’t go in that store, just couldn’t do it, but online I went to Google for “loan for my car title.”  

I found Memphis Car Title Loans – done entirely with an online application that takes 20 minutes to complete.  The money was in my checking account the next day.  Simply, it’s fast cash with no credit check, using your vehicle as collateral.

At the end of a hard year, we have something to look forward to this holiday. 

- Joyce E.

I’ve been through it all before. I was a soldier and I fought in the war in Iraq. It was a crazy time, I was right in the middle of everything. I’m not here to talk about that though. I got back here and I found out it wasn’t easy getting a job. But that’s not what I wanted anyway. I wanted to fight.

I tried to get involved with fighting right away, but the UFC said I needed a club to train out of so that I was credentialed. That meant I had to go out and find a fighting club and pay them to learn how to fight. I didn’t get it. I already knew how to fight.

But I had to go through all this nonsense and I got money in car title loans in Memphis, Tennessee. I have no credit since I have been at war. I found an auto pawn easy to deal with. They explained everything to me so that I wouldn’t have any problems. All I had to do was fill out an application and I got a call back.

I don’t see how I can fail in this fighting thing. I eat nails for breakfast and horseshoes for lunch. I’m as tough as they get.

-Terry B.

Memphis, Tennessee

I work at the University of Memphis South Campus and live near in Cordova, about a 14 mile distance.  But with traffic and gas prices and the fact that I gained 15 pounds over the last fifteen years, I figured it couldn’t hurt to try biking (bicycling, the leg-powered version of biking) instead of driving my old gas hog Trailblazer.

The bike I needed for daily commuting cost about $1400 — I did my research on this, and if you’re going to depend on a bike for getting to work, you have to go with a good quality bike.  But due to some financial reversals, I declared bankruptcy the last year.  That means I have bad credit, I lack a credit card and every month, no spare cash whatsoever. 

OK, so how do I buy a $1400 bike when I barely can afford a gas for my truck? I searched online for “no credit check loan” and “fast cash.” There I found Memphis Car Title Loans. No storefront operation on Brooks Road necessary: it’s entirely done online. The online application took 15 minutes – and I discovered even my 2000 Chevy Trailblazer could get me the $1500 I needed (I also bought a helmet and some flashing lights, too), quick and easy.  

The money is electronically transmitted to your bank account in one day. I had the bike that afternoon. The next day I started biking to work, and while the first day left me very, very sore, in two weeks I was cutting the time down to 45 minutes. In six months of biking, I have lost 22 pounds, putting me into better shape than I was in high school.  Who needs a gym? Gas savings is something like $120 per month.

The car title loan was my smartest move this year.  The savings covered the cost of the loan in the first month, and I think my healthcare bills will be lower in the future.

– Paul D.

I got to church ever day now. My wife is only able to make it one day a week. I pray for her every day, hoping that someday soon she will get better. She has breast cancer which she got a very long time ago. It’s been about eight years since she got it. I ask god if he will let her stay with me a little longer. Then I ask him that if he chooses to take her could he please have us meet again soon.

But I want to do what I can as long as I’m here. My wife continues to get treatment in the hospital. I hope that helps her. I am having financial problems though this month. I have to make the payment otherwise our insurance rates will go up big time. I can’t afford for them to. So I need to find money fast.

I did an online search and found car title loans in Memphis, Tennessee. This was a good option for my particular situation. I got money instantly and I was able to use it instantly. If I couldn’t get more money now I would have lost even more money. An auto pawn in Memphis was my only option.

I’m not going to give up on god and I hope to him that he doesn’t give up on me.

-Larry N.

Memphis, Tennessee

It was running so smooth. But I guess that’s how your first business always looks. You’re over enthusiastic and you just don’t see where you’re coming up short. You look at it as just one little thing. No big deal right? It was just one little copyright. But the problem was my whole business was built upon that one little copyright. I couldn’t afford to let that happen.

I was talking to a very close friend and he was really enthusiastic about all of it too. He said “That is going to sell” And then he told someone else, another close friend. Who told one other person. And that person told everyone. Why would he care? He didn’t know me, he didn’t even know my name. All he knew was my idea. MY idea. Not his. But guess who’s getting paid.

I still tried to put it all together into a business but just plain and simple the guy who started his business is a better businessman than me. I pretty much just lost money. I have bad credit and I needed money now. I found instant cash in a car title loan. Vehicle title loans in Memphis, Tennessee were actually really easy to get.

I’ve learned my lesson: trust no one.

-Jake J.

Memphis, Tennessee

Sometimes life hits me like a sack of bricks.  It’s been that kind of a week.  The IRS sent me notice saying that I haven’t paid taxes back in 2006.  They said they have collected information from my employers and since my employers don’t take taxes out of my check.  I have to do that myself.  So basically I am running my own business.  Which means, I have to go out and seek work and then put my accounting hat on and take taxes out of my pay check and also need keep individual receipts from business expenses, etc.  Long story short, its a lot of responsibility for one person to handle.  Especially when I’m just trying to get by as it is.  So now I have a large sum to pay the IRS and have to find money for bills and everything else.  Make life really difficult to enjoy, much less live.

Well I have to give praise to Car Title Loans of Memphis.  They dug me out of the hole this time.  I am able to pay the IRS back in full and now only have monthly payments to make.  I didn’t think I’d have any other place to turn, but car title loans is an easy decision.  I need my life to be simple.  I’m more productive when I don’t have something breathing down my neck.  They have a simple online application and customer service is available through online chat or toll free number.  Thanks car title loans of Memphis

My wife and I drove together to our jobs in West Memphis from our house in Woodstock. That worked well for three years because we basically had the same schedule.  But that ended when she lost her job in late 2007.

In the year since, we got stuck with bad credit, depleted our savings and ran up the credit cards.  It was a relief when she found her new job in Collierville, but we had a new problem: the need to buy a second car. 

With our poor credit rating, a traditional car loan wasn’t possible.

The solution was to cut our 2004 Camry into two pieces, more or less.  I searched on the Internet for and “fast cash” and “no money down loans.”  That’s where I found Memphis Car Title Loans.  Our Toyota is good for at least a $3000 loan, a healthy down payment on her “new” 2005 Camry (yeah, we like these Camrys). 

The online application was easy – 20 minutes and I was done. This is not a store somewhere on Elvis Presley Boulevard. The cash was sent electronically into our checking account the next day. Ysella had her Camry in two days — the Friday before she started her new job.  A “credit car” title loans company worked for us.

- Gregg H.

I joined a start up company in 2006, but with housing market death spiral we went down with it in early 2008.  My equity position was worth nothing, I was out of money, I had bad credit, and my attitude wasn’t so stellar either.  These things happen. So when a B-school friend contacted me in August to offer me a three week contract with his company in Los Angeles, I said yes immediately.

But I had neither the cash nor the credit card balance to cover costs of the trip.  My eight year old Nissan really shouldn’t make that kind of trip either. But of course I didn’t mention this to my friend.

So I went online and searched for the words like “no credit check” and “emergency money” and “fast cash” and found Memphis Car Title Loans, where I could use my Nissan for collateral. The car title loans people said my car was good for a $3000 loan.  That was more than enough.  I booked a flight for $580, round trip. I borrowed $1500 to cover that and my time in LA (no hotel, was staying at the friend’s house).

Memphis Car Title Loans is nothing like those places you see on Brooks or Winchester roads, where you talk to someone through bulletproof glass.  You go through an online application, are approved in ten minutes, then the money is sent by wire to your checking account. In three days, I was in Los Angeles.  

See, things always turn around when you put your mind to it.

A car title loan in this big fat recession and credit crisis might be the smart way to go.  I bet a lot of people do it and you never know it.  

- Ted V.

So I had a bad day. We all make mistakes sometimes. This time I really flipped out, I went right over the edge with my mistake. I was just driving down the road and I had a terrible day. I lost another job and life was just generally going downhill. I saw a cop and got mad. I thought I had nothing to lose. After a high speed chase, which involved breaking several laws, I found myself pulled over and handcuffed.

Luckily I didn’t break enough major laws to get jail time. At least that’s what my lawyer tells me. But I got loaded up with tickets and my lawyer is charging a huge fee. I found out that I am going to have to pay a ton in fines for all my violations. And there is no way around it.

I haven’t got the money to pay them and I certainly haven’t got the credit. I needed to get a loan even with my bad credit. I didn’t know that was possible until I found car title loans in Memphis, Tennessee. It turns out that I can get instant money with an auto title loan. The application and process were simple.

It was a downward spiral that blew up fast. But now I’ve got to climb back up that spiral staircase I fell down.

-Mike I.

Memphis, Tennessee

I’m not the athlete that I used to be, even though I usually hold my own no matter the sport. While I can’t get by on my speed anymore, I can use my knowledge and experience to stay with guys 10-15 years younger than me. No where was this more true than when I tore up my knee playing flag football.

It happened rather innocently enough. I went out for a post pattern, put the move on this young pup trying to cover me, and when I made my cut “POP” went me knee. Surprisingly, it didn’t hurt as much as I thought that it would, but it hurt enough to take me out of the game.

I tried icing my knee, and although it helped, I knew deep down that I did something a bit more serious to my knee. When I went to the ER later that night, my suspicions were confirmed, I tore a ligament in my knee. No surgery, its not like I was getting back to playing WR for the Titans. The only shocker which I received was my hospital bill. Amazing what it cost for 1 hr trip.

Needless to say, I didn’t have health insurance, so the bill was all on me. Money was a little tight, and the bank wouldn’t give me squat because of my bad credit, so I did what I had to do. I took out a auto title loan through Memphis Car Title Loans. They were really cool, and the online application was fast. I even received a call to direct me to the location closest to my house. My bill is now paid, and I’m a happy man.

Trevor B.
Germantown, TN