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.

Welcome to Memphis Car Title Loans!