I found a way to save $500 off a new water heater in my house, and I did it with a car title loan.  The best part is this I did it at a time when I was cash strapped, yet the savings will continue for the expected 20 year life of the water heater.

Here’s the situation: I planned to buy a tankless water heater to save long-term on my energy costs because the old water heater is about to die. Tankless water heaters shave a third of your energy costs and cut water consumption – by more than six 6 gallons daily (you run the water less waiting for the hot to arrive). Plus, there will be a IRS $300 tax credit for buying one in 2009.  Now, a store near the University of Arizona is selling them at a 20% discount if you order yours before 2009 (pay $300 down now, get the discount next year). The total cost for the heater with installation will be $1300, but savings and tax credits brings it to $800.  You can’t beat a deal like that, but time is of the essence.  

Trouble is, I’m not working, bills are piling up, my credit is bad, and my home equity maxed out.  So how does do I get the fast cash for purchase now?  Think, think hard, and go on the Interent.

I Googled for “fast cash” and found Car Title Loans in Tucson, where I could get up to a $4000 loan against my 2004 RAV-4.  The online application enabled me to avoid going to one of those storefront car title operation on Speedway Boulevard.  It took all of 18 minutes to fill out the form.  They do no credit check so that makes it fast. My money was there in a day.

I only borrowed $1000 – but if I need more I can go back and get it.  This car title cash loan completely made sense under my circumstances.  I’ll save energy and water.  Heck, I’m even doing the right thing to fight global warming.

              - Franco G.

The job market has certainly been on the downfall considering our current economy.  I lost my job six months ago and haven’t been able to find one since.  I’ve been living off my savings this whole time now and it’s about to run out.  It’s really scary for me because I’ve always been in control of my life in every aspect.  I have to figure out what I’m going to do if I don’t get a job in the next few weeks. 

I went through all my accounts to see if I could squeeze anything else out.  The only thing lest was my 401 K.  I decided that I wouldn’t touch that.  There had to be another solution.  I needed to find some quick cash.

I called my uncle to see if he could help me come up with a solution to get the fast cash I needed.  He’s a financial advisor and always has good advice about money.  He told me about Car Title Loans in Tucson.  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 Tucson.  I can’t thank my uncle enough for his great advice.

Susie O. in Tucson

I try to face my fears head on.  But when it costs money to do so, I guess I blink.   Surprisingly, it took an automobile title loans application to give me the courage.

My mother’s family is cursed with the genes for colon cancer.  Because of that, I am supposed to get a colonoscopy once every three to five years.  And, it would make economic sense to do so. You see, I have no health insurance, so if I were to get sick it would cost about a hundred thousand dollars for treatment – this I know because it happened to my brother.  His illness and treatment put his family into bankruptcy because his coverage was inadequate. The trouble is, the common diagnostic, a colonoscopy, would cost me close to $2800, something I can’t afford right now either.  

But it’s a true scenario of an ounce of prevention being worth a pound of cure.

When I worked at Pima Community College I had great medical insurance.  But my job was eliminated, so now I work part time in two different jobs, none of them provide health insurance. My next colonoscopy should have happened in 2007, but I couldn’t afford the $2800.

Because of my job difficulties, I have bad credit.  When I think of finding fast cash, I look around my attic here in South Tucson to see what I might sell on eBay.

But I Googled around and found Car Title Loans in Tucson.  There I learned my four year old Golf GTI is good for a $5000 loan. That was my signal. I said, “Time for the colonoscopy.”  The company works entirely on the Internet (no scary storefront operation in a strange neighborhood necessary). You use their online application, which takes about 20 minutes, and they send an email with the approval within about an hour.  They send your money to your checking account in less than 24 hours.  

My colonoscopy showed six polyps, all non-cancerous but indication I need to stay regular with this.  It took a cash title loans company to give me peace of mind and face my fears.  

-Laurie G.

My mother always told me: love your kitchen, love your husband, and love your car.  Two out of three ain’t bad, I think.

I have a decent career, but with all the breakups and moves and a stupid ex-husband and several idiot ex-boyfriends, my house in South Tucson had crappy appliances and I had crappy credit. Every time I opened the door on that 30 year old avocado green refrigerator, I thought about Commando Carl (the ex-husband).  It’s his fault I can’t build a better kitchen. 

At the very least I wanted a new refrigerator, one that is energy efficient. In fact, I heard you could cut electricity bills by 40% with a newer model. But the refrigerator I wanted was about $2000.  I mean, if you’re going to buy something that lasts 30 years, get something good.  But again, I had bad credit so buying anything like that was unlikely in the current economic cycle.

But I saw a posting on the Internet from developers near Canada del Ora who were selling off spanking new appliances from unsold condos for half price.  Brand new, never used, $1000 on the very exact same model I wanted.  But you had to pick it up the following day.  I needed fast cash.  

I own my VW Beetle free and clear, so I went to Car Title Loans in Tucson, where they told me I could get up to $3,000 in a title loan.  All I needed was $1000, so I filled out the online application.  The cash was electronically transferred to my checking account the next morning (the application takes about 20 minutes, and you get approved right away).  I rented a truck, picked it up, and talked my (new) boyfriend into installing it.

Here’s where that pays off in the long run: I’m saving money on electricity and even cooking more at home.  All around, a great deal.  Including the boyfriend.

The car title loans/no credit check was the way to pull of grabbing a bargain.  I recommend it to anyone considering it.

- Harlan I.

With a college degree in information technology, I thought I’d always have a job. That was until companies like my former employer figured out they could outsource what I do offshore at 30% of the cost.

Here’s the delicious part.  Everyone who was with me in the last cut (48 of us) were offered an extra two months of pay in severance.  But to get it, we had to train our replacements.  The other option was we could move to Hyderabad from where we live in Drexel Heights. 

I trained my replacement – after we actually did research on Hyderabad, believe it or not.  My wife’s job in South Tucson is too small to cover all the bills that come with two kids, a house and two SUVs.

in about three months we were in debt.  Our credit rating took a hit.  I would have to move out of state to find the kind of job I was best at. I realized I needed to take training courses to become more marketable. It’s a story out of what’s happening on a massive scale in the global economy.  But with bad credit, where could I find the money for educational purposes when we weren’t sure we could keep our house payments up?

It was then that I realized a car title loan would get me fast cash.  The same day, I filled out an online application with Car Title Loans in Tucson.  It was simple, fast and I didn’t get the a bank or credit card company throwing attitude at me about my credit. In one day I had tuition money.  

Never criticize anyone for taking loans on car title in time of need.  That person may be doing the most responsible thing they could think of. 

- Herman I.

You hear a lot about the changing face of health care and health insurance. My story is about how I get health treatment through my car.

I came down with a chronic illness in April.  Fortunately, it’s a treatable condition, but my company’s health plan has been shifting insurance costs onto employees the past several years, which basically means I’m paying much bigger insurance premiums with reduced benefits.  When I got sick, my co-pay on meds was basically $1700 for the first month.  Add to that, I’ve been hit with a home mortgage interest increase, so I have “bad credit” due to the fact I’ve had a hard time keeping up with bills the past two years.  I honestly didn’t know where I was going to get the money for the medications and related expenses (note that when you work and have insurance you’re excluded from the charitable meds programs and public support).

I work near the Davis Mountain air force base, but live near Casas Adobes.  My car of course is essential to getting to work, but with gas prices I considered selling my car, joining a car pool and borrowing my daughter’s car (she lives in Flowering Wells) only when essential.  But a friend thought that it would limit my life too much, so instead I should turn that asset, my car, into fast cash.

How? She told me to go to Car Title Loans in Tucson for some fast cash. I borrowed money against it to cover those first few months of expensive treatments and related expenses.  And, it bought me time to refinance my home mortgage.  Fortunately, I didn’t have to go to a scary storefront operation in a strange neighborhood.  It’s all done through an online application that takes about 15 minutes to complete.  It’s definitely the car cash title loans company I will go to again under similar circumstances.

- Brenda C.

My wife has finally left me, and she had the balls to throw all my stuff out! I mean, I can always get a new girlfriend, but that evil witch threw out my laptop (which she smashed to pieces), and also my baseball card collection too. To be completely honest, I’m glad that she’s gone, but I had everything on that laptop.
Things were always messed up between us, even when we were dating, but we thought getting married might be what we needed to find happiness. That would be a big fat NO! Instead things just got worse before she pulled this crap.

Now that I’d been paroled, I needed to get some money for an apartment, and pay off the credit cards which she so gracefully maxed out before she left. My credit was bad, but I did own a truck which enabled me to apply for a truck title loan through the Internet. The online application took just two minutes to fill out, and they also called me back right away to answer a couple of questions that I had. Within 30 minutes I had my money, and was on my way to start me newly single life.

If you need a quick truck title loan, don’t hesitate to go to Tucson Car Title Loans.

-Manny R.
South Tucson, AZ