I moved to California to get away from the cold and, to be honest, away from family. But when my mother called to say this might be her last Christmas, I knew I had to go back.

So of course this hits the year airfares have gone sky high. That plane ticket to Cleveland, even with connections, would cost $600 round trip.  I don’t have that kind of money. I had to file bankruptcy because of the problems in my divorce, so I have bad credit and no credit cards.  

I didn’t have an alternative plan, but then I thought about an auto title loans store I pass three or four times a week on Cherry Avenue. That kind of place doesn’t draw me in – I’m not sure I want to stand in line to talk to someone through bulletproof glass.  But I did a Yahoo search for “loan for my car title” and “fast cash” and I found Car Title Loans in Long Beach.  They said my 2001 Accord was good enough for that $600 – and I could get it in a day. That was the important part: Two days later, those fares all went up $80.  Because I could act fast, I saved money.  That’s how it is around holidays.

The online application was very simple and only took about 15 minutes – I did it on my lunch hour at my desk. The cash was in my bank account the next morning, just as promised, and I bought the ticket online through my debit card. 

Mom, I’m coming home this year.  Who would ever think that old car could get me across the country back to Ohio?

- Rae G.

I called a few of my close friends to see if any of them could lend me the money and I would pay them back when I had it, but nobody had any extra cash. One of my friends told me I should try getting a bank loan or using a credit card, but that was a no go. I have horrible credit to this day. There was no way any bank or credit card company was coming near me with any money. One of my buddies told me about getting a loan on your car title, so I took that into thought.

I hopped on the Internet and searched for “car title loans in or around Long Beach, bad credit.” I came to the site for Car Title Loans in Long Beach, and I had found my solution to this very dilemma. They had an online application that only took a few minutes to fill out. It was quick and simple and I got approved in less than two hours. The next day they wired the money to my bank account, and I bought my ticket and was on my way to Florida to take care of my Mother.

Thank God I found that website, because I don’t know how else I would have gotten there. By the way, she’s doing a lot better now and she was so happy I was able to come and be there for her.

Simon K.

Long Beach, CA

We promised devotion in sickness and health.  I just didn’t think the sickness would be a need to spend money we didn’t have on every electronic device to get a patent.  Dear Gary never read the advice about not buying the first release of a product – he’s the kind of guy who takes a day off work to stand in line to buy the new iPhone.

I was the one who stayed up late at night trying to figure out how to pay the bills.  Which was an impossible and frustrating task as I saw us sink financially into this sad cliché.  After four years of marriage, despite my best efforts, we had bad credit.  Horrible credit, actually. I knew it was time to leave.

But when I started looking at apartments (I found one in Rossmoor, not far from my job near the Los Alamitos airfield), I discovered a new dilemma. The leasing company told me I needed two month’s rent for the security deposit.  

I could afford the $900 each month, but not the $1800. But I had to make this work somehow – I did not want to sleep on my girlfriend’s couch.

I checked for words like “emergence money,” “money tree”, “unclaimed cash,” “fast cash” and then thought of “instant car title loans.” I came across Car Title Loans in Long Beach.  My Honda Accord is paid for, which is all they ask for.  I took out $3000 for the security deposit and some new furniture.  

It came with an online application – and I was very happy to avoid that car title place on Long Beach Boulevard.  I had the money the following morning, signed the lease the next day and moved out two weeks later.  From here on in, it’s going to be a much better managed situation.

- Randi G.

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.

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.

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.

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.

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