Money seems to be much more difficult to get a hold of these days than in the past.  At least, as far as I’m concerned - I can’t seem to hold on to it for any significant amount of time.  As soon as I get paid - bills are already past due.  These last few months have been really difficult.  Halloween is just around the corner and my kids need Halloween costumes.  I also need to get candy and then have to take off work to drive them around because parents need to be cautious for their kids during trick or treat.

A buddy of mine told me that auto title loans in San Diego, CA have is a fast cash solution that I can depend on.  The process is very well explained.  There is an online application for the car title loans website.  They also don’t credit check which is good for me because my credit rating is not good at all.  They have live chat and a toll free number to walk you through the online application.  The process takes only a few minutes.  I guess the only thing you need to qualify for auto title loans is a car or truck.  San Diego, CA is a big city.  And everyone I that isn’t a street bum has a car or truck.  So auto title loans has been a simple money fix to my problems.  They were very easy to work with, but yet not as accessible as a credit card, so it really makes you think before you just impulsively spend money.  I am glad for auto title loans.  They saved me big time!

Patrick G.

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.

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.

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.

Welcome to Car Title Loans in San Diego!