There are times when borrowing money can save you money.  I did that just the other day.

First, note that I am transitioning between jobs and I have bad credit.  To complicate matters further, I make purchasing decisions based on environmental sustainability.  Call me crazy, it’s just my belief system.

I needed a water heater because the old one was soon to be kaput. The tankless, on-demand water heaters use a third less energy and reduce water consumption by about six or seven gallons a day (you run the water less to get to “hot”).  Also, a store in the Glendale is offering tankless heaters at a 15-20% discount off the full price ($1200-$1400), counting delivery and installation.  Then, you take delivery in 2009 to qualify for $300 off federal taxes, which is new this year. All told it’s a $500 savings, before you factor in monthly energy and water bills savings.  

I went to Car Title Loans in Tempe to get the $1400, using my car (2005 Corolla) for collateral. Despite my bad credit, I completed the online application and got almost instant approval (no credit checks). My money arrived electronically in one day – completely bypassing the need to visit the title loans store on Indian School Road.

Loans against car title work when you need fast cash.  Because money invested on a timely basis can yield great savings later.

- Neil O.

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.

I’ve always been a bit on the husky side, but with a good diet, and daily exercise helped this once chubby kid, develop into a rather buff adult. However, the one thing I was never able to get was a six pack of abs. Never have I been able to burn that last bit of fat around my waist. I tried every time of pill, powder, drink, and exercise that “guaranteed” to melt the lard around your midsection, but they all failed.

It was tough to hide my jealousy of the fact most of my friends had washboard abs, and I seldom went without a shirt when my friends were without one. While I was rather muscular all over, it was the waste of a waist that really bothered me. My only option now was liposuction.

The doctor I saw was really understanding, and using his computer he was able to show me what my body would look like after the procedure. Needless to say, I was really excited to have it done. The only problem was my finances; I didn’t have any. I almost lived paycheck to paycheck, and the bank wasn’t going to loan money to a guy with my credit. I did find the money I was looking for when I searched online for car cash title loans. Car Title Loans in Tempe was able to hook me up with a auto title loan, after filling about their online application. I was able to get a call back right away to get set up with a location closest to my house. This was just what I needed to take my body to the next level.

Derrick L.
Tempe, AZ