Probably it is pretty sure that most people have encountered a period in their lives when they didn’t have sufficient resources to pay for something that is unexpected. For instance, periodically a member of the family has to be rushed to the medical center, when you are suddenly given the chance to invest in a business or property, or when you forgot to budget for a particular bill. It is a common practice to look for a bank loan or some other conventional loan but the money normally needs quite a long time before it is released and by then it might be too late. This is among the explanations why the car title loans in San Diego have been conceived since the funds could be in the hands of the borrower in a day. A key reason for this is that there would be no appraisal of creditworthiness. The main requirements are the vehicle title and a way to identify the borrower. After the true market price of the car has been established, the lender may release the money.

My job in software development was eliminated, shipped offshore to people who have only limited use of English.  If that works out for my former employer, they’re smarter than I think.  The amazing thing when we were cut was we would get an extra month of pay, plus a month of severance, if we trained the people who took our jobs. Or, we could move to Bangalore from our nice little home here in Encanto. 

If you didn’t cooperate, you simply got nothing.  Despite the blow to my dignity, I took the train-the-replacements option.  My wife’s income from her job in San Diego is too small to feed, house and clothe our family.

But the severance and unemployment didn’t cover the bills, including a few unexpected expenses that happened.  So bills weren’t always paid on time and our credit rating took a hit.

My best bet for longer term employment in the future was to take some training courses.  It’s exactly what they talk about in all the business publications — it’s retrain or die.

I took stock of what I could sell or otherwise use to get money for this $1200 course. It was then that I realized to get fast cash I could use my car for a car title loan. I filled out an online application with Car Title Loans in San Diego.  It was fast, simple and non-judgmental (unlike how my requests for home equity lines and credit card extensions went).  In less than 24 hours I had the money I needed to help me find my next job.  Think twice before you criticize anyone who uses auto title loans for financial management.  They might be doing the smartest thing for their circumstances.

- Fernando G.