It could be assumed that practically all people have come across the situation where they must utilize some funds but the needed amount is not available to them then. Examples include when a loved one needs to be hospitalized, when one forgot about a bill that has to be paid, or when an unexpected opportunity for a business suddenly shows up. The problem with typical sources of funds, such as banks, is that they usually require a long time to release the cash and by then the funds would be of no use. This is among the reasons why the car title loans in Memphis have been conceived since the funds could be in the hands of the borrower in a day. A significant facilitator is the fact that a credit assessment is not necessary. The principal requirements are the vehicle title and a way to identify the borrower. The lender could be able to issue the money after ascertaining the market value of the automobile.

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 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.