I’m a responsible, working single mother. I have to be extremely careful about how I spend and save money for the sake of my children. 

That’s why I did something I never did before.  I borrowed money by using my car title as collateral.  And I’d do it again if I had to. 

It began with an unexpected medical emergency with one of my children.  My son was in an accident and required hospitalization at Vanderbilt Children’s Hospital, two surgical procedures, rehabilitation and medications to control both pain and infection. He is five years old.  

My employer has a comprehensive benefits program, including health insurance coverage.  It’s a program I’ve paid into for more than seven years. We now pay much higher premiums than just a few years ago.  And, each employee covers a greater percentage of those premiums. My own premium costs rose in two years by more than $200 per month.   

But in our healthcare system (if we’re still calling it that), even that much coverage was not enough.  I had to argue with the insurance company on several points of coverage.  We had to halt physical therapy for six weeks because they were telling us it wasn’t covered.  To my shock, my out-of-pocket costs came in at $4000. Trying to handle all this, having to hire help with my son so I could continue working, cost even more money and I fell behind in my bills and earned the bad credit designation that is the kiss of death in the American economic system.  I couldn’t get a bank loan or an extension of credit from my credit card companies.

A friend gave me the idea of a car title loan. It became a way to buy time and work out a plan.  And, we were able to resume my son’s physical therapy that has had a clear benefit in his recovery.

Nashville Car Title Loans was the company I used.   You go online, spend about 20 minutes on the online application. The money is in your checking account in one day. I recommend to anyone in this situation to get auto title loans for economic survival and peace of mind.  

- Angela B.