I used a car title loan to buy an energy efficient home water heater.  The amazing thing is I was able to save more than five hundred dollars and I am unemployed, have bad credit and can’t even qualify for a home equity loan.  

And this is something that will save me energy AND water expenses over time. A year ago I figured out my water heater was 12 years old and would probably need to be replaced soon.  Which was a little worrisome when my job was cut in February. I’m green, always trying to do things the right way for the environment, so naturally I was aware of “tankless” water heaters – they reduce energy consumption by 34% and water use by about six or seven gallons a day.

Long term, that’s the technology I want, given the state of energy costs and water shortages.  Also, the IRS will give you a $300 credit in 2009 for installing this type of system.

On top of all that, a store near the Lakewood Center Mall is selling them at a one-quarter discount if you place an order on one now, in 2008.  Make a $300 down payment with your order now, then get the full discount on delivery next year. The total cost for the heater with installation will be $1300, but savings and tax credits brings it to $800.  

OK, great.  So that took me back to the no-cash, no-credit dilemma.

The Internet knows all, fortunately. I searched for “title money” and “loan against car title” and found Car Title Loans in Long Beach, where I was eligible for a $6000 loan against my three year old Series 300. Their online application completely helped me avoid going to a storefront operation on Long Beach Boulevard. There is no credit check, which really speeds things up.  I was approved in an hour, and able to make the $300 down payment the next day.

Whoever thought to get a title loan when you’re trying to help the environment?  

              - Kevin L.

I was driving home from work the other day and the weather was absolutely gorgeous.  I had all the windows down as I cruised along the highway.  Steven Tyler belted out Walk This Way like butter.  The breeze was exhilarating.  I had a great day at work.  My boss praised everything I had from walking through the door that morning to taking my afternoon shit.  I would soon be home having dinner with my beautiful wife and three perfect children.  Does this all sound too good to be true?  Well, it could have been true if I hadn’t been pulled over.  I saw the lights and heard the sirens but it never occurred to me that the cop was trying to pull ME over.  “Hi officer, Have I done something wrong?” I said with sparkling eyes.  “You were going 92 in a 65 mile per hour speed zone” he said with a bit of cockiness in his voice.  I knew there was no reasoning with him, like bribing him with a pair of Raider’s tickets.  He wrote me a ticket and said I could either plead guilty and pay the ticket, go to court and fight the ticket or complete driving school and it would be wiped clean from my record.  I didn’t have the cash to pay a ticket right now.  I would need some fast cash to take care of this mess.

I was on the Internet one evening looking to see if I could find the quick cash I needed.  I came across Car Title Loans in Long Beach and saw that by filling out an online application, I would know in 10 minutes whether I’d been approved or not.  I figured I had nothing to lose by giving it a try.  They required that I  own my car to qualify for the loan.  I got the loan quickly and was so happy to have the money transferred to my bank account.  If anyone is looking for a great loan, I would suggest going to Car Title Loans in Long Beach.

Greg P. in Long Beach

My Oldsmobile is 12 years old and really only dependable for short trips to work and for running errands.  I’d never take it on a long driving trip anywhere because I’m afraid it would break down.  

But my mother took sick up where she lives in Stockton, just around the time I had lost my job in Long Beach and the bills were piling up.  I had the time to go see my mother, help her around the house and help her with her personal affairs.  But I didn’t have the money for the flight and my bad credit negated my ability to put it on a credit card (without an advance purchase, it would be $300 at least, plus car rental).

So while looking at flight options on the Internet, I just plugged in “fast cash” into Google.  Up popped Car Title Loans in Long Beach.  I had seen stores along Cherry Avenue and on the Imperial Highway in Downey, but never thought to go there.  This was all done on the Internet.  I found out my car title was good for a $1000 loan, enough to pay for the flight and a car rental from the Oakland airport to mom’s house.  The online application was simple - I filled it out in 20 minutes, and in an hour I got my approval.  The money was in my checking account the next day, so I had the cash on my debit card to book that flight and reserve my rental car.

Who knew an old car could get me all the way up to northern California?  A car title loan no hassles method was the right thing for me to do.

I didn’t know I couldn’t do that. I always thought there was some sort of unwritten law that says you are allowed to go within five miles per hour of the speed limit. I thought a cop would know that. I was driving on the highway and I was going 72 mph. The speed limit was was 70 miles per hour. A cop pulled me over and I just thought it was a routine check up. So when she said “Do you know how fast you were going” I just said “yes”

I guess she was trying to tell me I was going over the speed limit because she gave me a ticket after that. I couldn’t believe it. I actually started laughing at her. Which just made things worse, she might have compromised had I apologized. There have been so many fees with this little ticket. It has wasted my valuable time.

Now I’m broke. I might not be broke in a few months, but I’ve got no money right now. I have bad credit and I didn’t know how to get money until a friend told me that I could get instant cash in car title loans in Long Beach, California. It was fast money that anyone with an auto title could get.

Lesson learned: don’t laugh at a cop.

-Jessie C.

Long Beach, California

We’ve had a bad run the past couple years.  Our credit is bad, then two months ago our refrigerator died.  We didn’t know where we would find the money to replace it.  The cheapest ones are more than $450 at Loews.

But a buddy told me that some developers in Hacienda Heights had apartments they quit building because of the economy, but they were selling some leftover new appliances for about half the price. These were good models, better than the models we were looking at, priced at $250.  Still in the box. 

But we didn’t have a spare $250.  So I got to thinking, I own my truck, finished the payments in 2006. That made me eligible for Car Title Loans in Long Beach. They offered me $2000 in a title loan but all I needed was the $250.  It’s all done on the Internet, so I filled out the online application. By the next morning the money was in my checking account.  

That new refrigerator is saving us money.  Food isn’t spoiling and our electric bill is going down.  An auto title loans store like this is a way to grab the good deals when they’re there. 

- Kevin L.

My kids are the love of my life. That’s why when anything bad happens to them I can’t handle it. I start to break down at the thought of losing them. We went out to Lasher’s one night and my son, Howard, wasn’t looking so good. He had this look on his face that he wasn’t going to make it through dinner. I couldn’t tell you how I knew it was as bad as it was but I just did. Call it a sixth sense.

So we ran out of Lasher’s immediately and took Howard to Miller Children’s Hospital. It was a very rough ride. Howard was moaning the whole ride and grabbing his stomach. My two daughters were so frieghtened that they didn’t say a word. My husband tried to calm everyone down but he was the one who needed to calm down. At the hospital Howard needed to get his appendix removed.

Everything was going to be ok with Howard but when I talked to the insurance company, they refused to pay the balance of the operation. They told me that they wouldn’t cover it. So I looked online and found that car title loans were a great way to pay off my bills. It was instant money in an autopawn that worked even if you have bad credit or no credit at all.

I’m going to find a new insurance company very soon. This is ridiculous

-Penny O.

Long Beach, California

I absolutely hated my job. I couldn’t stand doing it. It just plain bothered me ever having to go to work day in and day out. It was a mixture of joy and anger when I got fired. I didn’t deserve to get fired. I was doing so much more than all those retarded kids. But I didn’t have to keep coming to work anymore. But I didn’t get paid anymore either. And then about two months later I had to move back in with my parents in Compton. That’s when I got depressed.

I needed to find my own place. so I looked around a little and found an apartment in Long Beach in the Belmont shore area. I’m going to move in there with my new girlfriend. I got some hookups with some guys in low places that are going to get me jobs. But for now I need to move out of my mama’s place. I’m going to have to pay a deposit for the place.

I got bad credit so that makes that tough, but I found title loans online for my car in Long Beach California. An instant money car titel loan lets me get the money I need with no credit at all and only my car title. I just filled out an application and before I knew it I had the cash in my hand.

Now I’m out of my mama’s place which is good cause no 33 year old man should be livin with his mama.

-Dedre I.

Compton, California

I couldn’t believe this scenario until it happened to me.  Your company cuts your job to outsource to China.  But you have to train your replacements.  Then when you look for a new job, you discover all the other companies did the same thing.  You’re competing for the few jobs remaining against a flood of unemployed specialists like yourself.

Do I have to move to India or China to get a job these days?  (I have two dogs and a cat, and they don’t like that idea at all.)

My severance ran out soon enough, and unemployment only puts a dent into my bills. I took temp work, just to make do. Retraining was the only means I could see for getting a good job again.  But the bills got ahead of me, so now with bad credit, where would the money for retraining courses come from? 

There are legal ways in this world to find fast cash.  As it turns out, the smartest way to get that under my circumstances was a car title loan.  Who knew?  I filled out an online application with Car Title Loans in Long Beach.  I was relieved I didn’t have to go to some scary storefront operation. My tuition money was electronically transmitted to my checking account in 24 hours.  

 A guy’s gotta eat, and I’d rather have steak than beans.  A loan with car title will ultimately enable me to do that again when I get back into a good job. 

- Jeb K.