We had to declare bankruptcy and lost our home to the bank this year.  I lost my job, my wife just up and left and our daughter required hospitalization without insurance, so there were no other options.  I sold off clothes, furniture and electronics in a garage sale in July, and that included the artificial Christmas tree.  The new apartment doesn’t have a lot of room anyway.

My daughter was so great about it. She has seen so much in her ten years. 

Somehow, I have to make this a good Christmas.  With just $200 or $300 I could get a tree, a few gifts and maybe take her on a drive to Chicago to see her grandparents. But of course I have bad credit, so credit cards aren’t my answer.  A few days ago I saw a car title loan store on Maynardville Pike and thought about our Taurus, paid for in full 3 years ago.  I didn’t go in that store, but online I went to Google for “loan for my car title.”  

I found Knoxville Car Title Loans which is done entirely with an online application that takes 20 minutes to complete.  The money was in my checking account the next day.  Simply, it’s fast cash with no credit check, using your vehicle as collateral.

At the end of a hard year, this money at least helps us feel the Christmas spirit. 

- Derelle P.

I work at the Knowxville airport and live near the University of Tennessee, only about a five mile distance.  But with traffic and gas prices and the fact that I gained 20 pounds over the last ten years, I decided it would make a lot of sense if I started to bike instead of driving to and from work.

The bike I needed for regular, daily commuting in all kinds of weather cost about $1000 — believe me, I did my homework on this  If you’re going to depend on a bike for getting to work, you have to go with quality and a proper fitting bicycle.  But due to some problems I had in 2006, I had to declare bankruptcy the next year.  That means I have bad credit, I have lack a credit card and no spare cash whatsoever. 

OK, so how do I buy a $1000 bike when I barely can afford a tank of gas? I searched online for “cash for car title loans” and “no credit check loan” and “fast cash.” There I found Knoxville Car Title Loans. No storefront operation on Broadway necessary, it’s all done online. The online application took mere minutes – and I discovered even my 2002 Saturn could get me the $1200I needed (bought a helmet and some flashing lights, too), no sweat.  

The money is sent by EFT to your checking account in one day. I had the bike the following afternoon. The next week I started biking to work. In six months of biking, I have lost those 20 pounds.  Who needs a health club? Gas savings is something like $80 per month.

The car title loan was my smartest move of 2008.  These savings covered the cost of the loan in the first month.

– Theron P.

I’m not going to lie. I cried my eyes out when I heard the news. Hell, I cry my eyes out every night. I don’t let my wife see me though. She wouldn’t want to see me like that. She has been so brave and I don’t want to let her know how afraid I am. I am so afraid of losing her. She was diagnosed with breast cancer and I didn’t have anything I could do about it.

I’m just afraid of losing her but that looks unavoidable if I can’t make the insurance premiums. If I miss a premium the whole contract gets renegotiated. I can’t afford to let that happen. The insurance companies will raise our rates to outrageous amounts. I won’t be able to afford them ever and my wife won’t get the treatments she needs.

I have to make the very next payment. I know I can find money for ones after it if I keep my head up. I looked online and found something called a car title loan. I seemed like instant money in my pocket. There were car title loans in Knoxville, Tennessee right near where I live. It was easy to apply for one and I didn’t have to worry about my next payment.

I still cry my eyes out but I don’t know what I would do if I lost her. I don’t think I’d be able to get over it ever.

-Howie D.

Knoxville, Tennessee

I started a little gelato shop. You know that ice cream like stuff they eat in Europe. It’s delicious actually. If only more people had come to try it. I had big plans; I was going to turn the little shop into a franchise. I’d be rich. I saw it now. I wouldn’t have to worry about working ever again. Well, that didn’t work out exactly the way I had wanted it. I found out that people don’t just come to your store because it’s there. You have to get them through the door.

So needless to say at this point, I failed. And boy I failed hard. I didn’t just lose my gelato shop. I lost all the time that I put into getting it together. I tried to make it work but I just couldn’t. I couldn’t keep living off nothing. I got this great idea to live in the shop to make money. That just scared people off even more.

I had no customers or money. I needed to find some money fast or I’d be eating gelato for the rest of my life. I looked online and found an auto pawn in Knoxville, Tennessee. An auto pawn doesn’t take your car he simply gives you a loan on your car title. It was so easy to do.

I’m getting really sick of gelato, I think I’m going to eat at that ice cream shop down the street.

-Eliot N.

Knoxville, Tennessee

My wife and I carpooled to our jobs in West Haven from our house in Cherokee Ridge.  Which worked well for three years, until she lost that job last January.

In the months since, we earned bad credit and ran through our savings and credit cards.  So it was a relief when she found her new job in Lake City. 

That means, ironically in the height of a gas crisis, buying a second vehicle. But with our poor credit rating, a traditional car loan wasn’t possible.

The solution was to cut our 2006 Buick Rendezvous into two pieces, in a way.  I did a Ask.com search for “no money down” and “fast cash” and “car cash title loans.”  That’s where I found Knoxville Car Title Loans.  Our Buick is good for at least a $4500 loan, a healthy down payment on her “new” 2004 Kia Spectra. 

Getting the loan through an online application was easy – 20 minutes and I was done. This is not a store somewhere on Clinton Highway. The cash was in our checking account the next day and Zena had her Kia in two days — and one day before she started her new job.  A “credit car” title loans company was the only way she could get to that job.

- Flint G.

Since January, my company went bankrupt, I got bad credit scores, and I had to allow my condo in Florida go into foreclosure.  I know I’m not the only guy with these types of problems, but it feels lousy.  

Things are looking up now.  An old boss called to offer me a three week contract with his company in Seattle.  OK, that will be a big help. But with no money for a flight how is that going to happen?  I didn’t even have a credit card that would work, and my car really shouldn’t make that kind of trip. But of course I didn’t mention this to my boss.

So I went on the Internet. I searched for the words like “emergency money” and “no credit check” and “fast cash” and found Knoxville Car Title Loans, where I could use my Bronco for collateral. The car title loans people said my car was good for a $4000 loan.  OK, that was more than enough.  Next, I found airfare for $525 round trip. I borrowed $1500 to cover me for the time in Seattle (no hotel, was staying at a company condo), knowing I’d come home with good money for the work.

The best part is Knoxville Car Title Loans is nothing like those places you see on Clinton Highway or North Broadway.  You apply with an online application, approved in ten minutes.  Funds are sent by EFT to your checking account the next morning. In three days, I was in Seattle.  Now, they’re talking about extending the contract.  Paying off that loan was a breeze.

Car title loans in the big new recession might be a key form of financing.  Don’t knock it till you’ve tried it.  

- Sandy T.

Damn dog broke my arm! Not really, but falling over him did. I don’t know what I must have done to make by dog Julia angry with me, but I swear she stuck out her hind leg as I was bringing the clothes downstairs, and next thing I know I’m crying out in pain.

I’ve lead a rather pain free life, other than relationship pain, but thats a story for another day. Anywho, I kinda scoot over to the cordless phone to get my sorry ass some help. I thought about calling 911 to claim my dog assaulted me, but that was probably just the pain deluding my mind. To make a long story short, they took X-Rays, confirmed it was broken (no kidding Sherlock), and gave me a cast with a nice splint. I wonder what I can wear to match my splint? Yeah, I’m always trying to coordinate my wardrobe.

About 2 weeks later I get the bill from the ER, and I almost broke my neck falling out of the chair. How did they expect me to pay this? My health insurance hadn’t yet kicked it, and when I called them they said that they wouldn’t cover it since I wasn’t yet under their plan. My credit was lousy, but did some research on car title loans and found Knoxville Car Title Loans. Their online application was simple and quick. They even called me back to answer some of my questions, and set me up with the location closest to my house. The whole thing couldn’t have been more pain free.

I would definitely recommend Knoxville Car Title Loans.

Lulu V.
Mule Hollow, TN

I know, I know. Slow down. That’s what my mom always tells me. But what does she know. Getting pulled over was a fluke. Normally I slow down a lot when I see a cop but I couldn’t see him. I wasn’t sure he was there. To be fair he was undercover. So I took a closer look and thought yeah that’s not a cop. He told me he wouldn’t have pulled me over if I wasn’t going over 100 on a 55.

So I got a ticket. And that ticket is a pretty big one. I thought that I was going to be screwed when he pulled me over. And then when he walked up to my car he said “Man, you’re screwed” Then I came to court and the judge said “boy, you’re screwed.” I was screwed. No jail time but the fines they threw down on me exceeded $1000 in the end.

I’ve got no money and no credit. I spend everything I get and I’ve never had a credit card. That’s how I heard about car title loans in Knoxville, Tennessee. I didn’t know that it was possible to get a loan by simply  putting my car title on the line. An auto pawn worked well to get my tickets paid off.

And yeah, next time I’ll listen to my mom. No more driving over 100 mph.

-Jason M.

Knoxville, Tennessee

My boyfriend won an all inclusive luxury trip to for two to Cancun! I was so totally excited because we’ve had a really tough time this year and hadn’t been on a vacation in years! Plus we were stone cold broke. I mean ramen noodles broke. This couldn’t have come at a better time and there was no way we’d have ever been able to afford it. Thank goodness it was free! I couldn’t wait to lounge on the beach and take in some margaritas and sun. But of course, there had to be a catch. We had to pay a $500 refundable deposit in order to make the reservation. Even though we would receive the money back after returning home, we still didn’t have $500 on hand and if we didn’t make the reservation on the spot, we’d lose the trip. My joy was rapidly turning to disappointment. It was so close to 5 fabulous days and nights out in Knoxville, Tennessee.

The travel agent recommended car title loans online. It was so conveniently located that we were able to get a loan on our car title to pay the deposit and take the trip! Even had some cash left for shopping! Ya this is going to be great

There are some things that absolutely demand money be invested in them.  Your health is one of them.  That’s why I decided to get a car title loan.

My sister died young of colon cancer, so on doctor’s orders I get colonoscopies every three years. When I worked for a big company with good medical insurance benefits that was a no brainer. But when that company was going under I joined a start up for an equity position near the University of Tennessee in 2005.  The insurance plan didn’t cover much, was expensive, and then the company went under.  So now, four years since my last colonoscopy (I had four polyps then), with bad credit and no extra cash to cover the cost of the procedure, I found myself trying to scrounge up $2000 for the diagnostic.

Worry over this and everything else kept me up at night. One night I went online to see where I could find some fast cash.  Ask.com took me to Knoxville Car Title Loans, and they told me the title on my Jetta was worth $5000.  So I jumped on it: I completed the online application in 15 minutes and got approved in about 45 minutes.  Next I called my doctor.

They found eight polyps, so it’s something to definitely keep an eye on, but I’m good for now.   It’s given me a new lease on life, a better outlook (despite this economy), and I feel confident about my job hunt. A vehicle title loan in certain situations makes a ton of sense.

- Gretta H.