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.

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.

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.

I’m a single mom with three kids.  I recently moved to a tiny apartment in Knoxville.  My divorce was not a surprise to anyone.  My ex-husband never wanted to hold down a job.  He preferred to sit around drinking beer all day.  And he still doesn’t want to hold down a job to pay me child support.  I can barely afford the apartment we just moved in to.  I can’t afford the utilities.  And I don’t have any extras like cable or HD T.V.  Most of my furniture and appliances come from Rent-A-Center because I can’t afford to buy any of it outright.  But there are no signs that he’s getting his act together so he can take care of his kids.  I asked my ex if he could get me some of that child support he owes me.  He just gave me excuses as to why he couldn’t pay me.  I need to get my hands on some extra fast cash so I can take care of my family.

I did some research and talked to my friends and they gave me a good lead to get the quick cash I needed.  I was told that Car Title Loans in Knoxville would loan me the money I needed as long as I owned my car.  They were easy to deal with.  They had me fill out an online application and I was approved for the loan in 10 minutes.  I’m so thankful that I was able to find the money easily. 

Katrina C. in Knoxville

I had worked in a small manufacturing firm near Kingsley Station for five years.  But they shipped those jobs overseas, Malaysia I think it was.  My unemployment checks were running down and I couldn’t find a job like the old one.

So my cousin said I need to retrain and develop new skills.  I’ve looked into it and there are a lot of skills that I think I can develop. So I’m not opposed to doing this.

But I’m not rich. If I were, would I be living in an apartment right by the 275 and 40 interchange?  I fell behind on a lot of bills and now have bad credit. Even with temp work, there is no money left for classes.

One of my buddies told me about car title loans.  As it turns out, even an old auto can be turned into cash without selling it — you just go for a instant car title loans store. It’s on the internet, so you avoid going to an auto loans store.  You fill out an online application with Knoxville Car Title Loans, which takes no more than a half hour to do.

I was able to sign up for classes in a day. The money arrives almost instantly.  It’s a great way to handle tight finances.

- Ulf V.

With all the problems with banks these days this may not come as a shock: Your car is the new bank. Hear me out on this.

I was born, raised and worked until recently in the the Ashley Oaks area southwest of Knoxville.  But all in the same week my wife got sick, my car started having major problems and I lost my job.  It was the kind of situation you take one day at a time.

Fast forward, my wife is doing better but not working yet.  I got a new job, and the car is fixed.  The problem is the job is up in Buffat Heights, clear across Knoxville, a 24 mile drive along routes 40 and the 640 bypass.  To get the car ready for that kind of driving I needed about $1800 in repair work, just at a time when money was in short supply.  With some big bills I couldn’t pay I had bad credit – and don’t even think of going to a bank at a time like this if that’s your situation.

The crazy (and good) thing is that the problem car became the solution car.  I went to Knoxville Car Title Loans.  I had always avoided those no credit check car title loans companies in the past.  But this is a loan with an online application. My car (actually, it’s a small SUV) still has value, so this is where I could use it to cover the car repairs.   I filled out an application on the Internet from my computer.  It’s as easy as answer the questions, then click and send – car cash title loans are done in less than 30 minutes.  Now I’m working again, taking care of my family, and no worries about the car breaking down.

I hate to admit a natural disaster like a tornado helps me make money.  But without the ability to borrow money against my truck, my finances would be their own catastrophe.

Here’s the situation.  We get tornadoes around Knoxville and throughout the south more and more each year.  Lots of private contractors are used in the clean up, and later reconstruction, work.  Guys like me who have light trucks come in real handy and get a lot of work from this.  S— happens as they say, and those families who lose their homes are just glad when they can get things back to normal.

I drive Dodge Durango truck and learned about this work just this spring.  But it is seasonal work, and I had to take a chance and leave my regular job for this work.  It is worth it because it pays more than twice as much, but the first pay might not arrive for six or eight or even ten weeks.  My wife and I have bad credit because of some problems with health insurance a few years ago, so borrowing is not easy for us.  

How would my family survive?  There is the rent, truck payments, health insurance, food and old debt. What I needed is fast cash.

The answer was Knoxville Car Title Loans Car Title Loans. You get money when you need it from a simple online application.  I got the advance in one day, which gave me the confidence to go and start the work from the first tornadoes in April down in Little Rock, then take care of some pretty serious damage in Lawrence County here in Tennessee.  It’s been a busy time ever since. My wife wasn’t too happy about that truck two years ago when we ran into money problems, and again with the high gas prices this year.  But now, the loans on car title in this situation actually means making MORE money, enough to help us get caught up.