Our 1999 Subaru wagon is a work horse, but my husband and I only have one car to keep expenses down.  It’s inconvenient, but necessary.

Then one day I got a call from my best friend.  She’s single, lives in Denver, and was in a car accident and hospitalized.  She needed help with personal and household business.  This came a month after I lost my job and the bills were piling up.  I had the time, but couldn’t take our only car up there and couldn’t afford the airfare either.  Last minute flights cost over $500.  But I got bad credit in the past year, so I couldn’t borrow the money either.  

So I just went on the Internet and plugged in “Fast Cash.” Up came Car Title Loans in Tempe.  But these weren’t the stores along University Drive or downtown Phoenix.  It’s all online.  The website said our auto title was good for up to a $3000 loan.  

All I needed was about $800 for the flight, a rental car and food.  I completed the online application, got instant approval, and the money arrived electronically the next day.  In two days I was in Denver taking care of my best friend.

She is doing well and invited us to stay in her cabin in the mountains this winter.  It was well worth borrowing against that old car.  Payday car title loans really can come in handy.

- Erin F.

We moved to Tempe for the weather, that being so much better than in Nebraska.  Careerwise, we hand’t thought that all through quite so well and consequently we’ve both (my husband and I) gone through spates of unemployment the past few years.

But we really like it here, despite the fact that this past summer we found ourselves with bad credit, no extra cash and a refrigerator on the blink.  It was time to replace it, but where would we find the $800 when we barely could afford to keep up payments?

That’s when I did what I always do when scrounging around for merchandise and temp work: I went to Craigslist.  I checked out demolition projects and saw the exact model we wanted in Paradise Valley.  The demolition sale was in three days, but I decided to get there a day early and make a cash offer of $500.  Nothing ventured, nothing gained I always say

There still was the little matter of the $500, but I knew we’d work it out somehow.  

Then my husband reminded me that at least our cars are paid for.  Brilliant man, that husband (so why can’t he get a job??).  I searched the web and found we could get a loan through Car Title Loans in Tempe. They offered me $3000 in a title loan but all I needed was the $500.   I filled out the online application – no crummy stores in scary neighborhoods for me, thank you – and the money came by EFT to my checking account.  Off to Paradise Valley I went, a day early.  I had to bargain with the guy, but in the end we settled at $450.  This is a refrigerator that originally cost $1200 – and I had $50 extra after the dust settled.  

My friends here in Tempe laughed, but auto title loans for home improvements – especially on a deal like this one – saved me more than $700.  Can’t beat that. 

- Olive P.