Thank god for vehicle title loans! Normally I wouldn’t so blatantly brag about getting a loan. It’s one of those things that you hope you don’t have to get. Everyone wants to be rich. We all want to be able to afford the best in life. But there are times when you absolutely need money. And this was one of them.

I made some bets that didn’t fit into my budget. I didn’t calculate it out. I just looked at my bank account and saw three thousand dollars and thought “I could double that if the Titans just win there next game. Well they didn’t. I couldn’t believe it, I put down everything I had. And then I suddenly realized I didn’t have any of it really. I already owed it to different people. My landlord, some family, food… it was practically out of my pocket and I never noticed. That’s how I heard about vehicle title loans in Memphis, Tennessee.

I found out that vehicle title loans are just like car title loans but I could use my RV as collateral on the loan. Since it’s my only fully paid off vehicle this was the case. I got a vehicle title loan for far more than the amount I owed. The bookies that I had associated with were really laying it on hard too. They were ‘letting me know’ everyday how much I owed. And they were doing something they called ‘culmulative interest’ Every day the interest would go up by 1% percent daily. Thank god for vehicle title loans!

John H.

Memphis, Tennessee

By the way Memphis is near West Memphis, Brighton, Oakland, South Haven, and Hernando

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 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.

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.

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.

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 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.

In life, sometimes lemons turn into lemonade.  When natural disasters hit the Mississippi Valley, somebody has to sweep in and clean it up.  

Because I have a Full Size Ford Super-Duty truck, I am able to help out in clean-up operations after floods and tornadoes.  My employer in Memphis allows me time off to do this, and this spring there were so many disasters I took a leave of absence of four months to do it.  The pay was double what I made in that “regular” job.

The financial challenge of this is the first pay might not arrive for six or eight or even ten weeks after you get started with the work.  This is because you’re a sub to a sub to a customer waiting on an insurance claim, and sometimes those are in dispute.  Add to that, my wife and I have bad credit because of some problems with health insurance a few years ago, so borrowing is not easy for us.  

There is the rent, truck payments, health insurance, food and old debt – no one wants to wait two months.  What I needed is fast cash.

The answer was Memphis Car Title Loans. You get money when you need it from a simple online application.  I got the advance in one day, in fact.  I got started with the first major tornadoes in April down in Little Rock, then back up to Lawrence County here in Tennessee.  It’s been one flood or tornado ever since, especially since the hurricanes started blowing up from the Gulf.

My wife wasn’t too happy about that truck when we ran into money problems a few years ago, and high gas prices this year didn’t make it any better.  But now, the loans on car title in this situation actually means making MORE money, enough to help us get caught up.