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.

Tags: bad credit, car title loans in Chattanooga, Chattanooga, fast cash, online auto title loan, Tennessee

This entry was posted on Monday, October 27th, 2008 at 4:34 pm and is filed under Tennessee. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.