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.

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.

Welcome to Car Title Loans in Chattanooga!