We’ve had better years.  I had a stroke in January, our insurance covered 16% of the cost, my employer let me go with two week’s severance, I didn’t have disability coverage, Jason quit paying child support in June, I lost all our charge cards and I declared bankruptcy by October.

But hey, I have to make this a good Christmas.  With just $300 we could drive to my parents in Cleveland to spend the holidays there. But of course I have bad credit, so credit cards aren’t my answer.  A few days ago I saw a car title loan store on Lebanon Pike and thought about our minivan, paid for in full for the past three years.  I didn’t go in, just couldn’t do it, but I searched online for “auto title loan” with hope and the Christmas spirit in my heart.

I found Nashville Car Title Loans – done entirely with an online application that takes 20 minutes to complete.  They sent the money to my bank account the next day.  Definitely fast cash with no credit check slowing things down.

After all is said and done, I’m actually looking forward to this holiday. 

- Erlina K.

My daughter moved to California two years ago.  Since then, she’s struggled, got pregnant and now has my first grandchild living with her and her boyfriend in Los Angeles.  They’ve invited me to come out and join them for Christmas, but I didn’t know where I’d find the money for a plane ticket.

I went online and everything for Christmas week is more than $500.  That’s the only week I can take off work, and with only a debit card on my checking account (I have bad credit and no credit cards, things didn’t look hopeful.

So I searched on the Internet for “payday car title loans” and “fast cash” and that’s when I found Nashville Car Title Loans.  I wasn’t interested in a payday loan, but the car title loan idea made sense to me.  They said my 1997 Mercury Grand Marquis was good enough for that $500, plus another $200 for spending money.  That’s money I can borrow now and pay back gradually.  I couldn’t get to work without my car, but it works real well as loan collateral.

I filled out the online application and had my money in 24 hours.  Because I was able to book that flight in advance, I think I saved a few hundred dollars, too.  I can’t wait to see my grandson.

My daughter would ride with me to our jobs in Old Hickory from our house in Hermitage. That worked well for three years because we basically had the same schedule.  But itended when she lost her job in February.

She and I keep up all the payments on the house and food and utilities together.  So in the months since, we both got stuck with bad credit and depleted our savings.  Neither one of us has a credit card any more.  It was a relief when she found her new job at the Nashville Airport.

But that meant we have a new problem.  No two ways about it, for her to get to her job we needed a second car. With poor credit, traditional car loans weren’t in the cards.

The solution was to use the Chevy Astro as collateral for down payment money.  I searched on the Internet for “fast cash” and up popped Nashville Car Title Loans.  That van is good for at least a $3000 loan, a healthy down payment on her 3004 Chrysler Sebring.  

It wasn’t hard at all filling out the online application. This is not a store somewhere around Donelson where you stand in line and deal with someone through bulletproof glass. The cash was sent by wire into our checking account the next day. Ashley had her Sebring in about 48 hours — just before she started her new job.  Loans on car title were the only way she could start her new job.

- Harlan J.

A vehicle title loan might be one way people borrow money for vacations or TVs or partying. But that’s not why I did it.  I was trying to stay healthy.

Here’s my story. Our oldest sister died of colon cancer when she was 38, so it’s apparently something in our genes (an aunt had it too).  They say a colonoscopy is essential for people with it in their family, that if you catch it early enough it’s treatable.   OK, I did that when I had good health insurance.  But when I started my own business, I found out I could only get insurance with a big deductible.  Colonoscopies cost $2600, which means I’d be paying it entirely out of pocket.

I was due for a check this spring, but with this economy my business was in the dumps, I was making next to nothing, I had bad credit and I just simply had no spare money.  In order to get the colonoscopy, I had to find a loan.  It was that important to me — and because a friend of mine’s husband had years of treatment for his colon cancer that they caught at stage 3, they had more than $90,000 of health care costs they couldn’t pay — I knew that an investment in early detection might save me in the long run.

So I went online to find some fast cash.  Yahoo took me to Nashville Car Title Loans, and they told me the title on my Toyota 4×4 was worth $3200 – pretty close to the cost of the colonoscopy.  I took that as a sign. I filed the online application in 25 minutes and got approved in about 45 minutes.

Then I called to make the appointment.  They found four polyps, but nothing malignant.  I didn’t realize this at the time, but I think the idea of possibly having cancer held me back in trying to grow my business.  Now I have new confidence. For me, the automobile title loan in was like the old saying, “an ounce of prevention is worth a pound of cure.”

- Jereece K.

I have no chin. Physically I do have a chin, but there’s not much to look at. It makes me look weak, and I’ve always been very self conscious about it. Think of it like the anti Jay Leno, except I’m a woman.

I’m not the best looking woman, but I’m hardly a dog. The rest of my figure is quite nice, and I’ve been told so, many times. Perhaps getting a chin implant is a bit extreme, but I believe you’re free to do what you with your body, as you see fit. It’s your life, and no one should be able to tell you what to do with it, as long as it doesn’t hurt anyone else.

The doctor I saw at Vanderbilt University said I didn’t need it, but finally relented when he saw how important it was to my self esteem. Normally I would be against plastic surgery, and always tell people you were born that way, so you’re beautiful because you’re an original. So much for taking my own advice.

My insurance didn’t cover the entire portion of the surgery, so I needed to take out a loan. Forget the banks, and I didn’t want to tap into what I had in savings, so I thought about a car title loan. Searching for auto title loans on the Internet, I came across Nashville Car Title Loans. They were great! The online application was a breeze, and they were able to set me up with the location closest to my house. My surgery went great, and I’m a new woman.

I couldn’t recommend the people at Nashville Car Title Loans any higher!

Vivian M.
Donelson, TN

It’s a funny time in our economy.  Just when you think the chips are down, you find a deal that reminds you there is an opportunity in every dilemma.

My wife had been nagging me about getting a new refrigerator for two years.  I didn’t see a real problem with the old one, even though it was not working real well.  And my brother-in-law the genius told us how old refrigerators use a lot more electricity than the new ones, so buying a new one saves you money eventually.

The real problem is we’re barely making ends meet these days and we have bad credit because we missed paying some bills.  I dodged a bullet on the last layoff at work, but who knows what is coming down the pike.

The good thing is our car is paid for.  Better yet, I figured out a way to use the car to get a new refrigerator.  First, a lot of people are selling good things on the Internet for cheap because they are in a bad financial situation.  A builder out near Murfreesboro advertised $2000 refrigerator-freezers for $500 (obviously, he’s desperate).  But I don’t have $500 in spare change sitting around the house.  So brother-in-law the genius tells me, “get a car title loan.”

I checked out Nashville Car Title Loans and yeah, sure enough, the value of my car could get me up to $3000 in a loan.  All I needed was the $500, so I went to their online application and viola!, I had the money for the refrigerator.  It’s one of those nice stainless steel models with the freezer in the bottom drawer.  And already in the first month we’ve seen our electricity costs go down.

So brother-in-law the genius really isn’t so bright after all.  He took our old refrigerator and hooked it up in his garage.  At least I can give him credit for knowing that a car title loan in this economy can be a smart move.

When I bought my Durango a few years ago, I’ll admit it was for selfish reason.  I just liked having a big truck, and dreamed of offroad hauling far more than I did it.

But that was before disasters started to happen.  First it was medical bills that our insurance didn’t cover. Then it was my job in Belle Meade – gone one day and nobody expected it.  Then came tornado season throughout the south, including some F2s and F3s right here in Tennessee.

The tornadoes (and floods) were actually an opportunity for me, although they were of course tragedies for people directly hit.  Just about a month after I went on unemployment, I heard about work I could get in areas going through storm recovery.  They need lighter trucks to haul salvageable debris to storage and back when new homes were built again.  That’s work I can do.

But that kind of work doesn’t pay right away.  You’re waiting on insurance claims, and then getting paid by your boss who is a subcontractor himself.  So sometimes you work six, eight weeks before you see the money.  Grant it, when it comes in it’s good and well worth the time and travel.   But with my bad credit and bills piling up, I didn’t know how we’d get by.

To MY rescue was Nashville Car Title Loans.  They have an online application form that takes just about 20 minutes to complete.  With an auto cash title loans company, there is no credit check.  So it’s fast — fast enough to cover my financial responsibilities at home while I’m working hundreds of miles away.

As it is for most people in the Nashville area, your car is your lifeline for managing a household and getting to work. I live nearby in Smyrna, and worked for the same company for ten years just a mile from my house. The car I drive was getting older, but even with a few problems it didn’t require a lot of maintenance.

Then about six months ago my employer laid half of us off. My skills are specialized, so getting a new job down here wasn’t likely.  The good news is I found a new job in about three months.  The bad news is it is in Hendersonville – more than 30 miles up 24 and then on the 386.  I wasn’t so keen about that, but worse, this hit right when my car needed about $1500 in repair work.  With a gap in income, I had already depleted my resources and the credit cards reached their limits – in this economy, that translates into bad credit.

It was through Nashville Car Title Loans that I realized I could use my car’s value to finance the car repairs. It was super simple.  I went to their online application, filled it out in minutes, and by the next morning I had the fast cash to pay the mechanic.  By finding cash for car title loans, a person can make sure they keep earning a living.  That’s smart money.