My gas service was cut off in September when I fell behind in the bills.  I’ll need a $250 deposit to get the service tuned back on.  I had already been living without a microwave since it broke in 2006.

Losing my job in April is what started the problem.  I got a new job in October, but was unemployed all those months.  The bills piled up and I just couldn’t pay them. I earned really bad credit, which rules out getting a credit card anywhere.  A car repair set me back another $600, which I had to borrow from a cousin – but try getting to work or looking for work without a car. The gas service deposit would just have to wait.

But I found a convection-microwave oven at the WalMart on Gunbarrel Road for $190.  This would replace my need for gas or a regular microwave – you can cook most foods in them like with a conventional oven.  Even a smaller Thanksgiving turkey.

But I still needed about $200 for that microwave. Where would it come from when I am trying to catch up on other bills?  I went online and looked for “Christmas loans” and “fast cash” and “are car title loans available in Chattanooga?” when I stumbled on Car Title Loans in Chattanooga.  They said my Dodge pickup (paid off two years ago) could get me a loan for more than $200.  The application was easy, fast and I didn’t have to stand in line in a store (online application took 18 minutes). The cash was sent electronically to my bank account the next morning.  The first night I made chicken drumsticks and onions –  so much tastier with my recipe than Chick-Fil-A.

Loans on car title work well when your car is paid for.  I’m even planning a small Christmas dinner for some friends this year.

- Gene H.

By the way Chattanooga is near Red Blank, East Ridge, Harrison, Condra, and Whitwell.

My sister moved to California five years ago and I haven’t seen her since. We talk on the phone all the time, but travel is hard for both of us because of work and cost.  But she had a baby this year and begged me to come out to see her.

But this year, of all years, airfares are out of control now due to gas prices. That plane ticket to Sacramento, round trip with two stops in between, would cost $550.  I had to file bankruptcy last year because of problems with my ex-husband, so I have bad credit and no credit cards.   I don’t have any spare money.

I looked for other ideas, even considered driving my Corolla out there (bad idea). But then I thought about an auto title loans store I pass almost every day on Ringgold Road in East Ridge. I wouldn’t go there – I don’t want to stand in line to talk to someone through a thick glass window.  But I did a web search for “auto cash title loans” and “fast cash” and I found Car Title Loans in Chattanooga. They said my Corolla was good enough for that $850 – and I could get it in 24 hours. That was the part that mattered most: One day later, those fares all went up $110.  Because I acted fast, I saved that much money. 

I filled out the online application while eating lunch. The cash was in my checking account the next morning and I bought the ticket.

I missed my sister.  I wish I had done this earlier.

- Angella B.

When gas prices hit near $4.00 a gallon last summer, I knew my best bet for making ends meet was to quit driving so much.  In fact, I figured out that driving to my job near the University of Tennessee from where I live near Rossville Boulevard and Hamill Road was something I could quit – not the job, but how I got there.  I decided to start riding a bike.

But when I went to a bike store and found out the models that worked best for me were in the $500-$1500 range, I thought twice about it.  Where would I get the money?  I had bad credit, no credit cards and was already broke from paying last winter’s fuel costs.  Fast cash is what I needed.

That’s when I found Car Title Loans in Chattanooga.  They have an online application, it’s easy to complete and even my 2004 Chevy Monte Carlo was good for a $1000 loan.  Within two days I bought my Cannondale hybrid for $1200, and I lost about 25 pounds over the summer as a side benefit.  And gas savings came to more than $40 per week.

Online car title loans are a smart way to save money AND get in shape.  

-Al B.

Over the last couple of months, I’ve gotten four tickets. I don’t know what it is, but I’ve always been a good driver until recently. The bigger issue is that I can’t afford all of these tickets! I don’t have to worry about losing my license as long as I can pay the fines, but my biggest worry was how I was going to do that.

After my court dates, the Judge gave me another month to pay the fines, but the total was still almost $900. That’s $900 that I don’t have! I barely make it by as it is. I called my parents and my uncles, but nobody had any extra cash to throw my way. I thought about getting a loan from a bank or a credit card, but my credit is horrific. I don’t even think I could bare to look at my credit score right now. I really had no idea what to do and I didn’t know where to turn. What would I do if I lost my license? How would I get to work, or to anywhere? There’s not a lot of public transportation in my area, so I’d be screwed.

I hopped on the Internet and did a quick search for “loans in Chattanooga with bad credit”. It brought me to finding the solution to my problem - Car Title Loans in Chattanooga. The online application only took me about ten minutes to complete, and I was approved for a loan on my Honda Accord in less than an hour! The next day I had the money in my bank account! It was a little sooner than I had expected to get it, but hey, the sooner the better, right? I got my fines paid off and I even had a little extra cash to spend on myself! I’d definitely recommend Car Title Loans in Chattanooga to ANYBODY, because they really get the job done!

Shirley S.

How often do you hear about a woman who scrounges up $1200 to invest in a water heater instead of shoes on sale?  You do if you know girls who plan to buy great shoes for 20 years into the future.

I went to Car Title Loans in Chattanooga to get the money. This is where they use your car for collateral. Mine is a 2001 Toyota, good for $4000 in cash. Despite my bad credit, I completed the online application.  I got almost instant approval. My $1200 arrived in one day.  (And I avoided going to that title loans store on Rossville Boulevard.)

Why go to all that trouble?  I needed a water heater because the old one was not long for this world. And, I wanted an on-demand water heater.  Why? They use a third less energy and reduce water consumption by about 6 gallons a day.  Why now?  The deal gets sweet here for two reasons: a store near Fort Oglethorpe is offering them at a 20% discount off the full $1200 price (delivery and installation included).  When you take delivery in 2009, you get a $300 federal tax credit because it’s good for the environment.  That’s more than a $500 savings off the top.  Plus, monthly energy and water bills go down through the life of the new heater – which is where the shoes will come from.

I used that online auto title loan to get my water heater and any other time I need fast cash.  And as I keep that old Corolla chugging along, I’ll be sure not to wear my shoes out, either.

- Lulu M.

My sister has been sick for a long time.  She has been battling a brain tumor for the last 20 years.  Up until recently doctors were successful in removing the tumor but they said if it ever came back, there would be nothing else they could do for her.  Well, sadly it came back and the family had some decisions to make.  After much careful thought we decided she would have to go into a nursing home.  The thought of this broke our hearts but it’s what needed to be done.  My sister was such a bright woman with a lot of dreams and now she will never have the chance to make those dreams come true. 

My family doesn’t have a lot of money.  We fall into the blue collar category which means we don’t have extra money sitting around for emergencies like this one.  We need to figure out how were going to finance this.  Everyone is really stressed out by the current events, especially my parents; they want the best for their sweet daughter.

I called up my friend to get some advice.  I thought that maybe she would have an idea that would steer me in the right direction.  It turns out she did.  She told me I could get some help at Car Title Loans in Chattanooga.  She said they would give me a no hassle loan if I owned a car.  I went online and filled out an online application.  I was approved in no time.  Now me and my family can send her to a nice nursing home. 

Ashley S. in Chattanooga

We use that old minivan for everything around here, but the last time we drove down to Dalton there were problems with the transmission.  So when I got the call that my father was in the hospital in Atlanta, we didn’t know what to do.

This was just around the time I had lost my job and the bills were piling up.  I had the time to go see my father, but I didn’t have the money.  Flights were running around $270, but with bad credit I didn’t have much chance of borrowing the money and didn’t have credit cards other than my bank debit card.

So my son took us on the Internet, more or less to look at airfares.  Then he said “Dad, let’s just check the words fast cash.”  Up popped Car Title Loans in Chattanooga.  But these weren’t the stores along Brainerd Road or Highway 153 in Hixson.  It is all on the Internet.  He figured out our auto title was good for up to a $1500 loan.  

I didn’t need that much.  I just wanted about $500, enough for the flight, a car to rent and gettin’ around money.  So we filled in the online application, got approved right away, and the money was in my checking account (with the debit card) the next day.  In 48 hours I was visiting dad in the hospital.

It never occurred to me I could use that old minivan to get me to Atlanta.  A www car title loans company dot com was the right thing for me to do.

-Corky D.

This economy is making life harder.  But my husband and I are learning new ways to manage difficulties and we want to share it with others.

First, life is really tough when you face an emergency but you have bad credit and no extra cash. A couple months ago for us it was a broken refrigerator.  We called a repairman, but he said the cost would be around $500.  A new one might cost $400.  But even that was not something we had spare cash for.

But we heard that the builders of some apartments near the University of Tennessee quit construction because of the economy. They were selling off new appliances for half price. Only $200 for the refrigerator we needed, and we knew you’d never see a deal like this in the store.  That’s a big savings, plus it would use less electricity than the old fridge.

I figured those refrigerators would sell fast, so I just decided that since we needed fast cash, we’d get it some way, some how.  

Then my husband said we own the car since we finished the payments three years ago. That could get us a loan through Car Title Loans in Chattanooga. They offered me $800 in a title loan but all I needed was the $200. I filled out the online application on the internet. That $200 was in my checking account the next morning.  

I’m so happy we managed to do this.  I reckon a loan with car title store like this is something more people are going to use in the future. 

- Miranda N.

I love what I do in IT, but the global economy is making it much harder.  My company decided to use people in Bangalore because they cost about 20% as much as us.  So 12 of us lost our jobs in one day, then were hired back as temps to retrain our replacements.

I’m not proud.  I did it to keep some income flowing in.  With bills to pay and kids to feed, did I have a choice?

But unemployment only covered a portion of my bills. I worked consulting jobs here and there, but still fell behind in payments. The writing was on the wall: retrain.  But because my bills got ahead of the inflow, I got bad credit.  And with bad credit, where would the money for retraining come from?  Bangalore??

In the final analysis, my need for fast cash translated into a car title loan. Once I got used to the idea, I filled out an online application with Car Title Loans in Chattanooga. It was nothing like going to a car title loans store in some unfamiliar neighborhood. By the next day the money was transmitted electronically into my checking account.  

With credit tight everywhere it’s a reasonable option.  Auto title loans are really just another way to leverage value.

- Lynn M.