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.