Does anyone really expect disasters?  How about all in a year?

My husband left me three years ago. Next, I had a stroke this past winter at age 37, my insurance covered 60% of the hospitalization, my pharmaceutical coverage had a $5000 deductible, my employer closed the US manufacturing and that affected office staff too, COBRA will cost $1400 per month, my ex-husband hits with child support about half the time, and my bad credit makes it impossible to do half the things in life most people take for granted.

Now Christmas is coming  From where will the money come? A few weeks ago I saw an auto title loan store on Pleasanton Road and thought about the Corolla, paid for in full since 2006.  I didn’t go in – kinda intimidating, those places – so instead I searched online for “loan for my car title.” Never give up, I say.

I found San Antonio Car Title Loans. They have an online application and no credit checks.  I completed it and got the money in one day — which beats the hell out of a health insurance company.  I took only $200 – after this past year, I can turn that much into gold.   

- Wendy C.

My son moved to Toronto in 2006 to be with his girlfriend.  Now they have a baby, and I’m thrilled to be a grandmother. They’ve invited me to come out for a visit for Christmas. Of course I want to go very badly.

This is my first trip to Canada.  But I didn’t know how I could afford the trip. I went on a travel website and I couldn’t find a fare below $700, plus another $150 for a passport. Earlier in December the fares are much cheaper, but Christmas week is my only vacation time. But I have bad credit and because I have no credit cards, this didn’t look possible.

I often drove by the car title loans store on Bandera Road, but couldn’t go in there.  But the idea of a car title loan looked like something I could do with my car and I had heard you could do it online.

Next I searched on Yahoo for “car title loans near San Antonio” and “fast cash” and I found San Antonio Car Title Loans.  This appealed to me.  They said my 1999 Mustang was good enough for that $700.   There was my ticket. I definitely am more comfortable doing it online.

Immediately I filled out the online application. The money was in my checking account the next day.  Two days later, those fares all went up another $100. Which goes to show, you should never hesitate when you see a good price on plane tickets because they go fast.

- Francine G.

I don’t have any money. Literally no money. But what I do have is responsibilities. My wife is a breast cancer patient. I have to make sure our kids get fed and our rent gets paid. And I got to make sure that our premiums for the insurance gets paid. If I can’t do that then I’ll lose my wife. I can’t imagine losing my wife. It would kill me. She means so much to me.

But I can’t afford to pay the premiums right now. And the insurance is paying for my wife’s treatments right now to stay alive. So I have to make this payment. I really didn’t know what to do for the longest time. If I miss a payment then I’m going to have to pay so much more because that is how the agreement works.

Thank god I was told about car title loans in San Antonio, Texas. I found a car title loan the next day and I got to keep my car. All I needed to do was fill out an application and I was able to get money instantly. The guys at the car title loans place explained to me exactly how they worked.

That’s one thing less to worry about now.

-Jared M.

San Antonio, Texas

I never thought I would see the day when I needed financial assistance.  Car title loans in San Antonio saved me this time.  I own a coffee shop and the summer months have traditionally been slow.  We try to offer smoothies and frozen lattes to help off set the warm weather, but they usually cost more and attract a different customer.  Anyways, this summer has been the worst since we opened.  I think maybe due to the economy.  It has made our regular customers cut back on their consumption.  It came at some surprise to me.  I think it has come to some surprise to a lot of people.  Anyways, until the fall and winter months come around - I need cash to pay wages, bills, etc.  I have made the necessary budget corrections, so I’m not afraid of going out of business.  I just need to get through the rest of this terrible season.

Car title loans in San Antonio offers customer service via online live chat and a toll free phone number to explain any questions you may have.  I did call them and was very pleased with customer service lady.  She was pleasant and very patient on the phone with me.  She mentioned that I can use my car or truck for auto title loans in San Antonio, Texas.  She also said there is no credit checks.  This will insure many people that have not so good credit that their online applications will be taken serious.

Adam M.

I’m all out of fresh ideas. Do you ever feel like that? You had some great idea, right, and you thought that you could turn a profit on it. And then you go and take the next step. You try to turn a profit on it. It turns out to be a lot less of a profit than you ever would have thought. You thought “Hey this could make millions. Everyone needs what I have to sell.”

Yeah, well they don’t think so. I guess you have to convince people that they need what you have to sell. It doesn’t work to just have a great idea. Well my idea hit the dirt when a competitor made a similar product. It was nearly a year after I had been making mine. Hardly anyone bought mine but tons of people bought his.

When people started buying his, my product went to shit. I made no money and then I went into debt. I had bad credit at this point which is when I needed money the most. I looked for fast cash online. I found car title loans in San Antonio, Texas for the money I needed to pay my bills. An auto pawn was the answer for me. It was so simple to figure out and do.

I’m a thinker. I’ll have an idea. Just give me a few minutes ok.

-Frank B.

San Antonio, Texas

Getting married at age 20 was not a good idea.  So after three years, I left my husband and looked into getting a small apartment.  I found one not far from my job at the Kelly Air Force Base, so that made sense.

The landlord wanted a security deposit of one-and-a-half month’s rent.  I was pretty sure I could afford the $500 rent, but to come up with another $750 seemed impossible.  My husband had really mismanaged our money.  He ran up the credit cards to the point where we couldn’t keep up with them.  I had little money and just as problematic, I had bad credit.

A friend told me to look for answers on the Internet.  So I Googled “auto title loans work” and “fast cash” and some other words and found San Antonio Car Title Loans.  They work strictly through an online application so you don’t have to go near those car title places on Military Drive. As a single girl I am afraid to go there.  I had my money in 24 hours and signed the lease that afternoon.

- Rhonda A.

I hate missing out on deals just because I don’t have the cash.  I was planning to buy a tankless water heater to save long-term on my energy costs.  But right now I’m unemployed, have bad credit and no spare cash on hand for this project.  And it looks like the old water heater is about to die.

Tankless, “on demand” water heaters instantly heat your water instead of having a big tank constantly kept heated.  They save around 34% off energy costs and reduce water use by six gallons a day – you don’t run the tap so long waiting for the hot water to arrive. In 2009, there will be a federal tax credit of $300 for purchasing these models and a store near Fort Sam Houston is selling them in advance at a discount: you order it now with a $200 down payment today, you get the water heater at 20% off plus the tax credit next year.  So clearly, with fast cash I could swing this deal.  The total cost for the heater with installation is $1200, but with all the savings and credits I’d shave that down to $650.  And, these water heaters last 20 years versus the ten for a traditional boiler.

This is an investment that will pay me back over time.  And I figured out a way to finance it, despite my circumstances: San Antonio Car Title Loans for a $400 on my 2002 Camry.  The online application allowed me to avoid going to some storefront car title operation on San Pedro Avenue.  It took 15 minutes to fill out the form. I got the money the next day in my bank account.

This auto title loan will turn into a net savings of energy and water – and our country’s dependence on foreign oil.

              -Carlos D.

I like to live my life large. And I know there’s nothing wrong with that but sometimes the system keeps you in check. Cause I like to think that I can do what I like and enjoy my life and sometimes I go overboard and go ahead and do what I like even if it isn’t legal. So the other day I decided that I didn’t need to stay stopped at that red light. I saw it and no one was there so I could go.

An officer of the law so this and decided that I deserved a ticket. What was I supposed to say. I clearly broke the law. I knew I broke the law. Nothing I could do. I went to court and got exactly what I deserved. I got a ticket for what I did wrong and I couldn’t say I was better.

But the money they’re taking I don’t have. I needed to find a loan but I got no credit. So I found that car title loans in San Antonio, Texas were a great way to get money even if I didn’t have any credit. An auto pawn uses your car title as collateral for the loan. It got me the money I needed and I still kept using my car.

I learned my lesson. I think.

-Rob B.

San Antonio, Texas

My nieces were coming to visit me for a week.  A week is a long time for a 12 and 9 year old.  I needed to find some good activities that they would really enjoy.  One activity I knew they would like is the San Antonio Zoo.  It’s always fun to go to the zoo and make silly faces at the animals.  I took them the second day of their trip.  We were all so excited.  I don’t have any kids so I hadn’t been to the zoo in years now. 

In the snake house, they had a few snakes out that people could come up and pet.  They had employees watching over them and said the snakes would not bite.  Well, wouldn’t you know it, one of those snakes broke hold from the zookeepers grip and bit my youngest niece on the arm.  The snakes were not poisonous but my niece had a nasty puffy bite on her arm.  I took her to the doctor the next day because it started to look infected.  He prescribed some antibiotics to heal the infection and told me to never let my nieces pet snakes again.  I did not want to give my sister a doctor’s bill and decided to pay for it myself.  However, I didn’t have money to pay the bill.  I needed some fast cash now.

I went to look on the Internet to see if I could find some fast cash.  I came across San Antonio Car Title Loans and saw that by filling out an online application, I would know in 10 minutes whether I’d been approved or not.  I figured I had nothing to lose by giving it a try.  They required that I own my car to qualify for the loan.  I have a paid off sports car that is worth a good amount of money.  I got the loan quickly and was so happy to have the money transferred to my bank account.  Now I just have to tell my sister that I let a snake bite her baby.  I don’t see this going over too well.

Brianna L. in San Antonio

I worry about two things: health and money.  It’s just my nature.  The fact my parents had to declare bankruptcy related to the medical costs from my mother’s colon cancer has a lot to do with it, too.

I’m advised to get colonoscopies every three years because she had it.  When I worked at my job at Lackland AFB it was easy because we had great medical insurance.  But I left there in 2004 and have been doing temporary engagements ever since with no health insurance.  I was supposed to get my colonoscopy in 2007, but it wasn’t affordable.  Without insurance, you pay $3000.

My spotty work has caused me bad credit.  So $3000 looks impossible.

And from my mother’s experience, I’m always checking for symptoms.  I worry about every little stomach ache and blood in my stools (sorry if that’s a little harsh sounding, but it’s what we’re supposed to do).  I worried enough I decided I had to do something.  So I went online and found San Antonio Car Title Loans.  They said my eight year old Toyota is good for a $3000 loan – and I took that as a sign saying “Get this done.”  The loan is processed on the Internet — you complete an online application, then you get an email with the approval that same day.  The money is sent electronically to your checking account in under 24 hours.  It’s fast cash, which is what you want when you’re worried about your health.

There were some polyps that we’re keeping an eye on.  I am REALLY glad I took a loan on car title to find out my situation.  

– Neil O.