Last week was definately a crazy one. On Tuesday, I get a phone call from my Mom telling me that my Dad’s 80th birthday was coming up this weekend. I was a little surprised because I had no money set aside to get him a gift, and she asked me to throw him a surprise party. I have somewhat of a pride issue, so of course I said yes. I told her there was no problem, even though there really was. I didn’t have any money set aside for anything! I am definately good at making things happen though, so I knew that somehow I would come up with the money to throw this party. I mean, 80 years is a big deal!

So what do I do first? Turn to the most obvious source of information - the internet! I searched for fast cash in San Diego with no credit or bad credit and I immediately came to Car Title Loans in San Diego. I don’t know why, but I had a pretty good feeling about this site. I read some reviews from other people’s experiences and I didn’t see anything negative about it. Nor have I ever heard anything bad about car title loans.

They have this online application that takes only ten to fifteen minutes to complete. It’s definately not a hassle or a pain in the neck. It was quick and simple. They even wired the money directly to my bank account the next day. It happened to fast that I was able to plan this surprise party for my father without having to break my neck doing it. It worked out so perfectly! Thank God that I found that website, because it was an amazing experience. Especially because I didn’t have to go into one of those stupid stores and deal with miserable people who hate their job.

I don’t know what you guys have to say, but I know how I feel about Car Title Loans in San Diego. They’re great!

Russ R.

It was a starter marriage, as they call it.  So after four years, a lot of fights and no kids, I left my husband and started looking at apartments.  I found one not far from my job at the Miramar Marine Corps Air Station, which was a lot easier commute than from our apartment in El Cajon.

The landlord requires a security deposit of one-and-a-half month’s rent.  I was pretty sure I could afford the $800 rent, but to come up with another $1200 did not seem possible.  In that marriage, we both mismanaged our money.  We ran up the credit cards, couldn’t make the monthly payments, got behind on rent once.  I had almost no money saved and bad credit.

But I’m resourceful if nothing else, so I went on the Internet.   I Yahoo searched “fast cash” an “car title loans no credit” and found Car Title Loans in San Diego.  You fill out an online application so you can avoid those car title places on Camino Ruiz. That wouldn’t be pleasant for a single girl like me.  I had my money the following day and signed the lease that afternoon.

- Arielle Z.

My ex-husband was worthless with house stuff.  I have to say, I learned good economy when I went through the divorce and it’s made me so much smarter about money and household management because of it.

Even when I don’t have the cash, I’m pretty savvy about buying things that will save over time. For example, I was planning to buy an on-demand water heater to save long-term on my energy costs.  Note that the old water heater is about to kick the bucket.  But right now I’m unemployed, have bad credit and absolutely no spare cash for this project.  

On-demand water heaters instantly heat your water, which saves about 1/3 of your energy costs and reduces water consumption by six gallons every day because you run the water less waiting for the “hot” to get there. Next year (2009), there will be a national $300 tax credit for buying these models and a store in Coronado that is selling them at a discount: you order it now with a $200 down payment today, you get the water heater at 25% off plus the tax credit next year. The total cost for the heater with installation is $1000, but with all the savings and credits I’d shave that down to $850 – and that is for purchase, before the monthly bills are reduced.  Only little questions was, where do I get the fast cash for purchase now?

Here’s how I decided to finance it, despite my circumstances (that includes having bad credit): I went to Car Title Loans in San Diego for a $600 loan against my 2000 VW Golf.  The online application allowed me to avoid going to some storefront car title operation on Logan Avenue.  It took all of 20 minutes to fill out the form (no credit check makes it fast). I got the money the next day in my bank account.

This car title cash loan will turn into a net savings of energy and water over twenty years – and I’m doing my bit to slow climate change and reduce dependence on foreign oil.

              - Darra E.

My buddies and I are in love with the San Diego Chargers.  What can I say, we are all San Diego natives.  We’re not season ticket holders because it’s way too expensive.  If we were, we wouldn’t have any beer money left.  We only pick the most important games.  The next game that we absolutely have to go to is against our rival, the Oakland Raiders.  I can’t wait for the Chargers to kick their butts.  But lately, I’ve had some unexpected expenses and I don’t have the extra money to buy the ticket.  I called my buddy John to see if he could loan me the money but his beer gut is where all his extra money is going.  If I can’t go to this game, I don’t know what I’ll do.  What would the Chargers think if I wasn’t there to cheer them on against their rival team?  I’m not going to let that happen.  I will find a way to get the fast cash I need to remain a loyal and dedicated fan.

I called one of my more responsible friends to see if he could help me come up with a solution to get the quick cash I needed.  He was looking around on the Internet and found Car Title Loans in San Diego.  He gave me the website and I checked it out my self.  It said if I owned a car, I could easily qualify for a loan.  I filled out the easy online application and they got right back to me with an answer.  I was approved.  They were so easy to deal with.  If anyone out there is looking for a great loan I would suggest going to Car Title Loans in San Diego.

Joel F. in San Diego

You don’t know frustration until you’ve had a family member get sick and then the medical bills drive them into bankruptcy.  It happened to my brother when he got colon cancer.  They didn’t have health insurance, he lived for two years fighting all the way, and when he died his wife lost their house and they declared bankruptcy.

Well, because he had colon cancer young (44), I am supposed to get colonoscopies every three years.  Early detection is the most important part of this disease.  When I worked at my job in University Heights I had great medical insurance, so I got the scope three times, on schedule.  But I left there in 2006 and don’t get health insurance from freelancing.  I was supposed to get my colonoscopy early this year, but couldn’t afford the $3000.

Also, I have bad credit.  So I couldn’t imagine ways to find the money since it’s very hard for me to borrow.

But I worried enough I knew I had to do something.  I googled and found Car Title Loans in San Diego.  When they said my eight year old Blazer is good for a $4000 loan,  I took that as a sign.  It was telling me, “Get this done.”  The company processes loans on the Internet — you complete an online application, then you get an email with the approval that same day.  The money is sent electronically to your checking account the next morning.  It’s fast cash, which is very important when you’re nervous about something.

There was only one polyp, and they think it’s the non-cancerous kind.  I am very glad I took a loan on car title to find out for sure.  

– Neil O.

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.

My girlfriend and I were having the time of our lives. We were able to afford a nice place in a great part of Oceanside. Cindy and I wanted us to move to Cali to get away from the cold weather in Detroit, and plus I love to surf, so this was where I wanted to be. We both looked at our move as the start of our lives together. Everything was going according to plan, until one day Cindy was killed by a drunk driver.

I was devastated. While I was working, I certainly couldn’t afford to pay for our apartment and everything else with my job alone. I was losing it.

There weren’t more than a few bucks in my savings, as we spent everything I could to make the move out here. On top of that my credit wasn’t all that great.

My only possession was my Toyota, so I needed to find an online auto title loan. San Diego Car Title Loans came through for me in a big way, and without their help I would have been in real trouble. They more than answered all my questions, and gave me a loan of $5,000 to cover the apartment and put some cash in my pocket so that I could pay my other bills and get my life back on track.

San Diego Car Title Loans really came through.

-Danny F.
La Jolla, CA.

People from Seattle where I grew up think it never rains in San Diego.  They don’t know the year I went through in 2007.

My wife and I both developed serious illnesses that spring.  We’re grateful we’re both going to live, but we both had to face expenses not covered by our insurance, then ultimate job loss because we were unable to perform as needed.  Losing our jobs, then seeing much bigger insurance premiums on self-purchased plans, threw our finances into a whole new dimension.

But we held it together, found a way to cover big bills while we got healthier and found new employment. We didn’t want to leave our house in Hillcrest – selling now would have been a huge loss, given the real estate environment, and with our new bad credit it would be almost impossible to buy anything anywhere else. There was a period of time when I wasn’t sure we could keep the lights on we were so far behind in our bills.  

That’s when I turned to Car Title Loans in San Diego.  Our Prius was our collateral, as well as a form of necessary transportation.  We borrowed money against it, enough to keep the big bills paid, get healthier and find new careers.  I was relieved I didn’t have to go to some icky storefront in an iffy neighborhood; they have an online application that takes about 20 minutes.  I honestly think the reduced stress from loan against car title helped us get healthier faster.