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

My new neighbors aren’t what I thought they were going to be. I guess I expected a nice little family with 2.3 kids and a dog. But what showed up was six black guys in an Escalade. And I always see them coming and going. They haven’t actually moved any stuff into the place. All I see is that they come in and leave. I don’t know if they sleep there but I know they’ll come in and out really early. I don’t like them.

I think they’re using the house for crack. However, I can’t prove anything so I called my brother Jeff who’s a cop. He told me there was nothing he could do, ain’t no crime bein’ black. So I need to protect my family and kids. I got a wife and three kids and I don’t know if it’s safe anymore. That’s what made me get a gun.

I went to the arms store and they told me I could get it but I’d never be able to pay for it when I told the guys how bad my credit was and how I was broke. They told me to look up car title loans in Memphis, Tennessee online. I found that it was easy to get a car title loan in Tennessee and that I didn’t have a problem getting instant money in a loan because I owned a vehicle title.

I know that I’m safe now but there is still a rule at our house about not crossing into their side of the lawn.

-Jed R.

Memphis, Tennessee

My friends think that auto title loans are for people who can’t manage money.  My story shows how a loan against car title is not only responsible, it might save costs in the long run.

Our father died of colon cancer when we were young, so my sister and I are supposed to get colonoscopies every three years, starting from when we were in our 30s.  But we both were without jobs and heath insurance at different times in our lives.  When my sister worked for four years uninsured, she didn’t get a colonoscopy.  Sure enough, she developed cancer.  She’s alive today thanks to advanced medical treatment at Methodist Hospital. But had they found it earlier it would have been a lot less than the $87,000 spent in treatment that she will probably be paying off the rest of her life.

I too am without health insurance right now, as I’m doing temp work.  My last scope was in 2002, so I was overdo.  Because of my job situation, I have bad credit and no extra cash to cover the cost of the procedure.  The cost of a colonoscopy is around $2400.

With our family history, you of course worry, always looking for symptoms. One night I went online to see where I could find some fast cash.  Google took me to Memphis Car Title Loans, and they told me the title on my Ford Escort was worth $2600 – just enough.  So I took that as a sign to do it. I completed the online application in 15 minutes and got approved in about 30 minutes. Then I called my doctor.

They found three polyps, so it’s something to definitely keep an eye on.  I didn’t realize this at the time, but I think the idea of possibly having cancer held me back in my job hunting.  Now I have a new lease on life, a better outlook, much more confident about my job hunt. A vehicle title loan in my situation was like the old saying, “an ounce of prevention is worth a pound of cure.”

- Hester J.

I was out late the other night drinking with my girlfriends.  We left Alex’s Tavern in Memphis at 2:00 a.m.  We all had separate cars and after we said goodnight we headed off in our own directions.  I had quite a few drinks, probably more than I should have, but I didn’t think I was too impaired to drive.  I looked in my rearview mirror and saw police lights.  I was being pulled over.  I really thought I was driving fine but the cop said I was swerving all over the place.  He made me get out of the car and take a breathalyzer test.  He suspected I was drinking and he was right.  I was over the legal limit and he arrested me.  I spent the night in jail.  This was not the first D.U.I. I’d ever had.  I knew I would have to get a lawyer and pay a lot of court fees.  I didn’t know where I could find some fast cash.    

I called one of my girlfriends that was out with me the night before.  She told me she’d used Car Title Loans in Memphis and that it was the best loan she’s ever gotten.  I went on the computer and filled out the easy online application.  I was quickly approved for the loan.  It was so easy.  They only required that I own my own car.  Now I have the money I need to get myself through this mess.  From now on I will always have a designated driver. 

Cindy R. in Memphis

I had worked in a small manufacturing company near Lucy for four years.  But those jobs went overseas, to Korea I think.  Unemployment won’t last forever and I am not finding a job like the old one.

So my girlfriend said I need to retrain, to develop new skills.  I’ve looked into it and decided a code entry operator might be where I go next.  Except I have to take a class, and it costs $500.

News flash: I’m not rich. If I were, would I be living in an apartment right 40 and 240 join up?  I fell behind on rent and credit cards and now have bad credit. Even with help from my girlfriend, there is no money left for classes.

I looked into auto title loans since my truck is only three years old.  I guess you can even use an old car for cash, without selling it.  You go to a instant car title loans store on the internet.  You fill out an online application with Memphis Car Title Loans, which takes no more than a half hour to do.

I was able to sign up for classes in a day. The money arrives in your checking account. And I don’t have to listen to my girlfriend nag me about a payback :).

- Vern W.

I’m a responsible, working family man. So would you expect me to get an auto title loan to cover an unavoidable expense?  

A few years ago, no, I wouldn’t.  But times have changed and so have I. 

My wife discovered a malignancy in 2006.  She was a stay-at-home mom with three kids, and it was tough on everyone.  Thus far, she’s doing well and we only pray her prognosis will improve with time.  

My employer has a comprehensive benefits program, including health insurance coverage.  But that benefit hasn’t been so great lately. We now pay much higher premiums than just a few years ago, and each employee covers a greater percentage of those premiums. Costs to our family rose in two years by more than $350 per month.   

The kicker is how it’s still not enough.  She had two operations and several rounds of radiation.  To my shock, our out-of-pocket costs came in at $3300. We had made the decision that she would not work when the second baby came along, so finances were tight already and with unexpected expenses, we fell into the “bad credit” designation because of all that’s happened.  So there was no way we could see of paying that bill.

That’s when we hit on the idea of a car title loan. Under the circumstances, it was a way to buy time and work out a plan.

Our source for fast cash was Memphis Car Title Loans.   You go online, spend about 30 minutes on the online application. You get the loan in your checking account the very next day.  I recommend to anyone in this situation to get loans on car title.  It’s a responsible way to leverage an asset in order to take care of your family.

- Mike N.

I didn’t really like my job that much anyway. I always had something I had to get done. And it was NEVER my responsibility. It was always my boss’s responsibility. I did his job and I also took his blame. I needed the money right then so I stayed. I was ready to quit the job because I hated it so much, but then I got fired. My boss kept blaming things on me. Now I can’t afford anything so I moved back in with my mom in Germantown, Tennessee.

What kind of twenty eight year old guy lives with his mom though? Honestly I have to get out of here quick. That’s why I found an apartment in Memphis off of Poplar and Bellevue. It’s a nice little place, only big enough for one person but that’s all I am. I need money for the security deposit though and right now I’m a little strapped on funds.

I looked online and found car title loans near Memphis, Tennessee and realized I could afford to get out of my mom’s house. I just needed to get the money in a title loan. It was easy and the application online only took a minute. I also had more than enough money for the apartment.

Next job I find I’m going to make sure my boss isn’t a complete and total dick before I start.

-Jake U.

Memphis, Tennessee

I’m married, but I love women! Can’t get enough of them! I think I’ve made it with 80% of the women in Memphis, Tennessee. I must admit, I got all the moves, charm, good looks, and money. Well I had money anyway. There was one girl in particular that I couldn’t get. It was the challenge of a lifetime. She wasn’t particularly attractive, but her deep throaty voice was commandingly sexy. She strung me along for weeks on end. Eventually she gave in at a company cocktail party. Several martinis later I found myself in the mail room bending her over the copier. Just as I realized that she was a MAN I saw a bright flash and heard the click of a camera. Josh the mail room attendant had not only snapped a picture, he had videotaped the whole encounter. He blackmailed me for $1,000,000 or he was going to tell my wife and publish the video on You Tube ruining my career as well. He was in on it with “her”.

They’ve already taken my fortune. Now I’m off to get a loan on my BMW to make the next payment. I’m so glad that car title loans don’t ask for personal information so at least my wife can’t find out.

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The Memphis Tigers basketball team is the best program in college basketball today. Yeah, I know they fell short of the championship, but they’re poised to win it all this year. I’ve attended games every year, but never had the chance to get some great season tickets, but this guy I work with was looking to sell his, and this wasn’t a chance I was willing to give up.

My co-worker that I was buying them from gave me only 36 hours to come up with the money, and I wasn’t sure where to go. The bank wasn’t about to give me the money I needed, and with my credit cards were already maxed out, I only had one good option.

Seeing how the only thing I owned was my Trailblazer, I did an online search for an online truck title loan. Memphis Car Title Loan had an online application that takes two minutes to fill out. Not only was I able to get a call back right away to get my questions answered, but they set you up with the location closest to your house. Within 30 minutes I had the money I needed to pay off the balance on season tickets!

Thank you Memphis Car Title Loans for helping get season tickets to see my Tigers the entire year!

-Roger B.
West Memphis, TN

I have always loved my truck ever since I bought it four years ago.  And now that I know I can borrow money against it for repair work, I love it even more

My wife thought I was crazy when I bought it.  We live in Memphis and I only had a ten block drive to work.  But within a month my son got sick, I cracked the catalytic converter on the truck (thank you speed bump) and I lost my job.  I guess these things happen in threes.

I’m happy to report our son is doing fine.  I got a new job, and the car is fixed.  But my new job is up in Millington, a 25 mile commute up 51.  To get the car ready for that kind of driving I needed about $1200 in repair work, and that was after being out of work for two months.  We got behind on some bills so ended up with bad credit.  Gotta love this economy.

Again, this is why I love my truck.  I went to Knoxville Car Title Loans to get the money for the repair work. Previously, those  no credit check car title loans companies were something I avoided, partly because you had to go to those storefront operations in bad neighborhoods.  But this is a loan with an online application. My truck is worth a lot, so it was no problem to get the $1200 I needed.   I filled out an application on the Internet from a computer.  You just answer the questions, click and send – car cash title loans are processed in about an hour and you get the money the next day in your checking account. It’s nice to be able to manage family finances like that.