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.