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.

Usually, you think of the hospital or drug store as a place to go for treatment when your sick.  I’m now telling my friends I go to my car.

It started when my son got a bad diagnosis in January.  Fortunately, he will live to laugh about it someday.  But my husband’s health plan has been placing more of the insurance costs onto employees the past several years. With family coverage that’s a big hike in monthly expenses.  We pay much bigger insurance premiums but get reduced benefits.  

When Justin got sick, our co-pay on meds and one procedure was basically $2700 for the first month.  Add to that, we’ve been hit with a home mortgage interest increase.  And I lost my own job last year and have been looking for work all this time while taking care of a sick child.  Bottom line, we have “bad credit” due to the fact we’ve had a hard time keeping up with bills.  We didn’t know where we would get the money for the medications and related expenses.  If you’re new to this, note that when you work and have insurance you’re excluded from the free medicines programs you see on TV.

My husband works in downtown St. Louis and we live in the MacKenzie area, near Willmore Park. But he’s in sales, so of course his car is essential to his job.  With gas prices we considered selling our second car, but that’s nearly impossible with three kids.  But we got to thinking about how to turn that asset, my car, into fast cash.

Here’s how we did it. I went to Car Title Loans in St. Louis for some fast cash. I borrowed money against it to cover those first few months of medical expenses in the deductible.  Fortunately, I didn’t have to go to a scary storefront operation in a strange neighborhood.  It’s all done through an online application that takes about 20 minutes to complete.  It’s definitely the online car title loans company I will go to again under similar circumstances.

- Celinda D.

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My husband went to jail for embezzling from his father’s company. How pathetic is that? You can’t even trust your own flesh and blood. The news which hit me in the face like a brick, even though all along my friends and family said he was no good, but I always believed in him. Needless to say I was getting a divorce, and it was going to be expensive. Between attorney fees, and losing the house to pay off the money my ex husband stole, I was out on my butt. I was spent both emotionally and financially. I now had to get back in the game of life as a new single mother. It was probably a good thing, but I didn’t know where to start, and how I was going to pay the attorney fees.

I was fortunate to able to find car title loan in St Louis that loaned me $6,000 to cover most of my bills. It was like starting over in life, but having someone who trusted you giving you money, even if it was a title loan, to get your life back.

I would recommend St Louis Car Title Loans to even my best friends. They were there for me during one of the most difficult periods of my life, and I will forever appreciate the help they gave me when I needed it most.

-Melanie M.
Granite City, IL