I’ve had my dog since I was 17 years old, that’s almost thirteen years. He’s become my best friend and I know he’s always there for me no matter what. I took him to the vet because I noticed a weird lump on his side a few weeks ago, and it turned out he had a tumor! I was so worried, and the vet told me the only way he could survive is if he had surgery right away. The amount of the surgery was definitely out of my price range, there was no way I could pay it.

I didn’t have any resources to get the money from, and my credit is horrible so I know asking the bank or credit cards were out of the question. I really didn’t know what to do. I looked around on the Internet, and eventually I found the site for Car Title Loans in St. Louis. It was a miracle that I found them! They have this online application that only takes minutes to complete, and they had the money in my bank account the next day!

I was able to get a date set for the surgery, and have it paid up front so I didn’t have to worry about anything except bringing my doggy there. Thank God for Car Title Loans in St. Louis, seriously, they saved my dog’s life! I don’t know what I would have done without him! He’s like a child to me!

Gregory A.

By the way St Louis is near Richmond Heights, Caholia, Normandy, Caseyville, and Hazelwood.

I’m not much of a cook, but for the holidays I at least try to cook a decent turkey.  But it’s been a bad year. We had our gas shut last month after I fell behind in my bills.  I’ll need a $220 deposit to get the service restored.  Our microwave broke last year, so we’ve had to eat at Wendy’s and McDonald’s most nights.  We can’t go there for Christmas.

This is because I lost my job earlier this year.  I started a new job in October, but was unemployed for about five months.  So in that time I got behind in bills, got bad credit, and these are the problems that happened.  I had a car repair that cost $700, but my car is necessary for getting to work.  That was why I let the gas bill go.

I had a hard time using $220 for a gas deposit.  Instead, I found a convection-microwave oven at WalMart over on Telegraph Road for just about the same amount of money.  It’s as good as any oven, even for cooking meat.

But I still needed about $200 for the microwave, and didn’t have the spare cash.  I went online and looked for “Christmas money” and “autopawn car title loan” and “fast cash” and stumbled on Car Title Loans in St. Louis.  I found my Impala (paid for a year ago) could get me a loan for $200, even more.  It was easy and fast (online application, took 15 minutes), and my money was in my bank account by the next morning.  I bought that microwave oven and began to save money right away by not going to fast food restaurants for dinner.

Loans on car title work for people in my circumstances.  It’s a good cushion for finding essential things like something to cook with.

Brenda C.

By the way St Louis is near Richmond Heights, Caholia, Normandy, Caseyville, and Kirkwood.

My girlfriend had to take care of family problems in Spokane so I haven’t seen her in months. We’re are trying to see each other at Christmas, but neither of us has a lot of dough for travel right now. 

Airfares have gotten so expensive – more than $400 per person for this trip ($800 including my son). Around December 10th or 15th the prices are a lot cheaper, but Christmas week is the only time I can get vacation pay.

Because of some medical problems with my son this year, we have bad credit and no credit cards.  Buying a plane ticket did not look likely. 

But then I thought about an auto title loans store on St. Charles Rock Road that I drive past every day. It’s not the place I would go to for money.  But it got me thinking about what I might find on the Internet.  So I Googled for “car and title loans” and “fast cash” and I found Car Title Loans in St. Louis.  They said my ‘89 Corvette was good enough for that $800 – and I could get it in one day. 

The online application was very simple and only took about 15 minutes. The cash was in my checking account the next morning and I bought the ticket with my debit card. 

I’m glad I acted when I did. Two days later, those fares all went up $150.

OK, so the first marriage didn’t work out. Boo hoo hoo.  I say, when the going gets tough charge ahead.

I was planning for a while to leave my dead-beat husband. But when I started looking at apartments (I found one in Florissant, not far from my job in Black Jack), I realized I had a new problem. The leasing company told me I needed two month’s rent for the security deposit.  I was pretty sure I could afford the $900 each month, but another $1800 was out of the question.  My husband blew our whole financial picture.  The credit cards were maxed – we couldn’t make monthly payments. Every other month we were behind in the rent.  I had bad credit, which made moving out all the harder.

Think, Amelia, I told myself.   The all-wise Internet knows all.  Time to go search.

I checked for words like “wads of cash from heaven,” “fast cash” and then thought of “car title loan.” I came across Car Title Loans in St. Louis.  My Aveo is paid for, allowing me to borrow even more than what I needed, which helped with getting some necessary furniture.  

I filled out the online application – was so happy to avoid those car title places on New Halls Ferry Road. I just don’t see myself in a place like that.  I had the cash in one day, signed the lease that afternoon, and moved on with my life two weeks later.  That’s me – charge ahead.

- Amelia B.

Most people don’t think of a car title loan as a way to save money.  Usually, it’s about an emergency.  Well, I not only took care of a pending problem, but saved more than $500 in the process.  And it was with a loans for car title transaction.

I’ll take you back to the beginning:  The water heater in the house I bought in 2004 was about to die. I read about “on demand” water heaters that reduce by a third your energy costs and cut water consumption by around six gallons a day because you run the water less. There is also going to be a $300 tax credit for buying one next year, in 2009.  Now, a store in Washington Park is selling them at a 18% discount if you order yours before 2009 (pay $300 down now, get the discount next year). The total cost for the heater with installation will be $1200, but savings and tax credits brings it to $700.  

Great deal, but timing is everything, as they say.  I’m not working, my bills are not all paid, my credit is bad, and I don’t qualify for a home equity loan.  So how do I get the fast cash for taking advantage of this deal?  

When in doubt, go on the Internet. I did a Yahoo for “fast cash” and found Car Title Loans in St. Louis, where I could get up to a $2000 loan against my 2002 Accord.  The online application enabled me to avoid going to one of those storefront car title places in Florissant.  It took less than 25 minutes to fill out the online application.  There is no credit check so you get your approval almost instantly. My money was there the next day.

I only borrowed $1200 – but if I need more I can go back and get it.  This car title cash loan completely made it possible to make this smart move.  I’ll save energy and water and get the mental satisfaction of reducing greenhouse gasses.

              - Glenda H.

My son loves any and all animals.  He doesn’t care if their wild.  He will still go up to them and try to pet them or play with them.  He doesn’t understand that some of these animals carry diseases.  He thinks that he can save every animal he comes across.  I love his spirit but am not always happy with some of the creatures he brings into our house. 

Recently though, he brought home the sweetest stray kitten.  He told me that the kitten was lying next to its mother who had been killed by a car.  He had tears in his eyes and begged me to let him keep the cat.  He also wanted to know if we could save the mommy cat who’d been hit by a car.  It broke my heart.  The least I could do for him is let him keep the kitten.  I wanted to take the kitten to the vet to make sure it was healthy.  The problem is, I don’t have the money for this right now.  But I can’t bring myself to tell my son that we can’t keep it.

I called my friend to see if he could help me come up with a solution to get the fast cash I needed.  He was looking around on the Internet and found Car Title Loans in St. Louis.  He gave me the website and I checked it out my self.  It said if I owned a car, I could easily qualify for a loan.  I filled out the easy online application and they got right back to me with an answer.  I was approved.  They were so easy to deal with.  If anyone out there is looking for a great loan I would suggest going to Car Title Loans in St. Louis.  My son is so happy that we are going to keep the kitten if it’s healthy.

Catherine P. in St. Louis

The Lord helps those who help themselves.  And the answer to my prayers came in a car title loan last month.

My father’s family has the genes for colon cancer.  Three uncles, four cousins and my brother. We’re all told to get a colonoscopy once every three to five years.  When it happened to my brother, it was too far along to save him even though they spent about $75,000 on treatments. His wife will never be able to pay it off because they didn’t have health insurance. She had to declare bankruptcy.

It makes a lot more sense to find it early. But I have no health insurance because they don’t provide it in my job.  A colonoscopy would cost me close to $2400, something I can’t afford right now either.  And I have bad credit.  When I need fast cash usually that means taking in a boarder in my spare bedroom.

But my daughter helped me look around on the internet and we found Car Title Loans in St. Louis.  There I learned my six year old Impala is good for a $2500 loan. I felt like Jesus was talking to me.  He was saying, “Get the colonoscopy.”  We filled out their online application, which takes about 20 minutes.  In two hours they sent an email with the approval.  They sent the money to my bank account by the next morning.  

My pipes were clean!  It was an answer to many prayers.  It took a loan on car title to give me peace of mind.  

- Orvetta P.

I don’t ask for a lot in life.  A decent kitchen, a nice enough car, maybe, just maybe a decent husband.  Happy with two out of three.

I have a decent career, but things didn’t turn out well in my first go at wedded bliss.  So here I am, living in a small condo downtown, a far cry from the four bedroom house we had in LaDue.  Cest la vie.   But every time I opened the door on that ancient avocado green refrigerator, I thought about Marc the Maniac (my ex-husband).  What he did to loose our business and ruin my credit rating was seen in that godawful kitchen.

At the very least I wanted a new refrigerator in my condo. They are a lot more energy efficient, enough to cut electricity bills by 40 percent. But the refrigerator I wanted was about $2000.  I mean, if you’re going to buy something that lasts 30 years, get a good one.  But again, I had bad credit so buying anything like that was unlikely in the current economic conditions.

But I saw a posting on the Internet from developers near Ballwin who were selling off new appliances from unsold condos. For half price.  Brand new, never used, $1000 on the very exact same model I wanted.  Plus a stove and dishwasher with the same stainless steel finish, also half price.  Total cost would be $2700, knocked down from retail of around $6000.  But I needed fast cash because you had to pick it up the following day.  Panicked excitement set in.

I kept the BMW and own it free and clear, so I went to Car Title Loans in St. Louis, where they told me I could get up to $8,000 in a title loan.  All I needed was around $3000 (to cover the transport and installment), so I filled out the online application.  The cash transferred electronically to my checking account the next morning (the application takes about 20 minutes, and you get approved in about an hour).

The next day I had my new kitchen, and even got the delivery guys to haul away that avocado mess to the recyclers for free.

My friends laughed at me for using an auto money title loans company. Until they realized it saved me $3000. I recommend it to anyone considering it.

- Iona J.

It wasn’t a surprise that my job was sent overseas. All the trade magazines talked about how they could outsource what I do offshore at 40% less in labor costs.

But never underestimate the cheekiness of the global economy.  Everyone who was with me in the last cut (200 of us) could earn a severance package if, IF, we would train our replacements.  Picture that. (Another option was to move to Mumbai from where we live in Overland). 

I trained my replacement (we actually looked at what life is like in Mumbai first) because money is money.  My wife’s job in LaDue is too small to cover all the bills that come with four kids, a house, a VW and a Honda SUV.

By month four of that, we couldn’t keep up with the bills.  Our credit rating went south.  I considered taking a job in southern California, but the cost of living there is twice what it is in St. Louis.

I realized then that I needed to take training courses.  But with bad credit, where could I find the money for classes when it was hard keeping up house payments?

I needed fast cash and a car title loan started to make sense.  So I filled out an online application with Car Title Loans in St. Louis.  It didn’t involve going to a storefront operation in East St. Louis, or to a bank or credit card company that I know would turn me down. In one day I had my tuition money.  

I will never again criticize anyone for using alternative means to finance something important.  A loan with car title is sometimes the most forward-looking move you can make. 

- Ivan J.