So I have a 20 year old son who is going to college up in Ohio. He calls me at the very last minute(of course), to tell me that there was a problem with his financial aid being processed.

He ends up telling me that he only has one week left to come up with $1700 dollars or else he won’t be able to attend school there this semester. I flipped! I had already planned on everything going smoothly and the last thing I thought I would need a little extra money for actually popped up.

I guess that’s a lesson in life, nothing ever goes as you plan it. Right? Well anyways, I tell him not to worry about it and that I’ll find a way to get the money. I called a few friends and relatives to see if they could lend me the money, but just like me, everyone else is in the hole right now too. Someone told me to go look on the internet for car title loans in or around Atlanta.

My first reaction to her was, “Yeah, right! Like anyone would EVER give me a loan again!”. I told her about my bad credit and all the debt that I already have. She told me how she used Atlanta Car Title Loans and they were extremely helpful and easy to use. There was an online application that took me only ten to fifteen minutes to complete. They also wired the money directly into my bank account the next day. Not only was I able to get the $1700 that my son needed, but I got a little extra money for me to spend at Von Maur(haha!)

I’m always very hesitant when it comes to getting loans, because I have such bad credit. I almost didn’t even try to apply for the loan because I’ve tried other companies and they all shot me down very quick.

In the end, everything worked itself out. It seems there is always a solution to every problem, and it just so happened that Atlanta Car Title Loans is on my list whenever I’m in a financial crisis again! Thanks again, Atlanta Car Title Loans!

Sarah B.

No one messes with the Nessy.  I have been through some rough times lately, but I always come out on top of it.  In the past 12 months, I’ve gotten laid off, got bad credit from unpaid bills, been so short on cash I cut the cable TV.  But not only do I look out for myself, I look out for my friends and family.

My car, paid for but ten years old, is ok for getting around Atlanta.  Ask me to drive it far and we have to consider alternative transportation.  But it came in handy for a city car title loans arrangement that funded my trip to Miami to help my cousin.

My cousin and I grew up together, so when she called to say she had some problems, it was clear I had to head down there to help her out.  But with no cash, how would I get there?

I searched online for Fast Cash and found Atlanta Car Title Loans.  The car title loans people said my old Pontiac was good for a $1500 loan.  OK.  Next, I found a deal on airfare, about $175, plus another $250 for a five day car rental.  I could pull this one off.

The good thing is Atlanta Car Title Loans is nothing like those stores you see on downtown or in Decatur. There’s no sistah you talk with through a plate glass window.  You do it all on the computer.   The online application is very simple. Approvals come through in ten minutes.  My checking account received the funds electronically the next morning. In four days, I was in Miami with my cousin, helping her with her situation.

Car title loans with no credit checks are a cousin’s best friend.

- Nessy O.

By the way Atlanta is near Forest Park, Smyma, Marietta, Chamblee, and Douglasville.

I am definitely not a hypochondriac.  In fact, if it was up to me, I’d almost never go to the doctor. But my brother died of colon cancer at age 43, so I’m told to have colonoscopies every three or four years.

 I’m 55 now and had my last one in 2003.  They found six polyps in that one.  That was during the good old days of working in a job with medical insurance. But I changed jobs after a layoff, and my new employer doesn’t provide that benefit.  I’m part of the 45 million people who just hope that nothing happens.  At my age and with my history, a policy that would cost $200 a month carries a $5000 deductible, and the colonoscopy would cost at least $2600.

Several financial challenges have already come my way in the last two years.  So I have bad credit and no cushion.

I woke up in the middle of the night one night after a dream about my brother.  I went online, searching for medical information, then looking at the costs, then looking for fast cash.  I knew this was bugging me and I had to get the colonoscopy done.  That’s when I realized my truck could be the ticket.  It’s value was $4000 at Atlanta Car Title Loans, which was more than I even needed.  So I used their online application, which took 20 minutes. I was approved in an hour, then called my doctor.  The money landed in my bank account the next day.  

Good news: no polyps.  I realized how stressed I had been after that.   Despite the economy, I’m looking for a better job with benefits again.  Title car loans in these circumstances are a good in-between strategy.

- Dantrell F.

My father insisted I study accounting in college.  He said I’d always find work.  He didn’t know it could eventually be outsourced overseas.

Which is exactly what happened in my last job. I had become a specialist in one area of cost analysis.  And I really hated it.  Really really did not enjoy my job. And really wasn’t interested in anything else in the field.  For months I went on interviews, but my lack of interest probably was obvious.

And it’s not like I had some big nest egg to fall back on.  I got behind on rent – OK, so Buckhead is expensive – and credit card bills, and still couldn’t go back to something I didn’t like in the first place. I came to terms with the idea of retraining for a different career.  

But because my bills got ahead of me, I got lumped into the bad credit column. And with bad credit, where would I get money for classes?  

So I took a long hard look at my car. Not that I was going to resell it.  But it was an asset with value — value I could leverage.  So, my need for fast cash translated into a car title loan. I filled out an online application with Atlanta Car Title Loans.  It’s nothing like going to a car title loans store downtown.

The funds transferred in hours, and I was signed up for classes in a day.  I don’t miss my old job and career, but I’m glad I have the skills to assess value.  The bank car title loans solution to my cash flow problem was the smartest move I could make.

- Quentin R.

I think this is a story about taking responsibility for the challenges life throws at you.  Maybe that, and thinking creatively as a means of being responsible.  

I recently used an auto title lender to cover a medical expense.  If someone told me two years ago that’s what I would be doing, I would have laughed. But our circumstances were different then.

It started when my husband was diagnosed with a serious illness in January. He’s doing better now and the prognosis is good.  He’s a stay-at-home dad, so it was a difficult time for all of us, our three children included.  

I have a good job but my company’s health insurance program has been changing lately.  My co-workers and I have had to pay much higher premiums the past several years – part of the healthcare crisis we read about all the time in the press. We get reduced benefits and bigger deductibles.  Costs to our family rose in two years by more than $400 per month, and that was when we were healthy.    

When Gary got sick, our out-of-pocket costs for the treatment were $2800. We also had just bought a house in 2005, but saw its value drop by 35% in three years while neighbors all around are going into foreclosure.  I looked into a home equity loan, but the bank said no.   So this whole thing hit when we realized we have “bad credit” – which is what happens when you miss a few bills and find yourself overleveraged. It was starting to look like we might have to sell our house in the Five Points area in Atlanta, near Georgia State University, which would be terrible in this market.  

My car is essential to my job.  We considered selling our second car, but that’s nearly impossible with children.  It was a situation of establishing priorities, plain and simple. 

Instead, we turned that car into fast cash.  Once I made the decision it was simple. I went to Atlanta Car Title Loans.   Fortunately, we didn’t have to go to a storefront operation in some dangerous neighborhood.  You apply through an online application that takes no more than 20 minutes to complete.  The money is in your checking account the next morning.  It’s a loan against title method I’ll use again if I have to.  

- Hillary I.

You gotta take a zen attitude when it comes to money problems.  That’s what I discovered in using Atlanta Car Title Loans, and it definitely put my mind at peace. 

I live and worked (past tense) in Mountain View, near Hartsfield.  But I had a car accident, then I lost my job.  Breathe deep, I said, better times are coming.  And I did find a new job – 28 miles up north in Decatur.  To do that kind of commuting along 285, I had to fix that car.

Note the job didn’t come for six months, so my credit was whack.  Yeah, that took a lot of deep breathing and yoga classes.  And this hit just when gas prices were in the high 3 dollar range. Now I’m a survivor, but I wasn’t sure the car would hold up under all that driving without getting fixed (and who wants to deal with the expense and hassle of towing if the car breaks down some morning along the 880).  

It was time to face facts.  Because I was out of work so long I had bad credit and nothing left on the cards.  Which was a real mind bender because I had been pretty good about keeping my credit clean for years.  

But my inner karma told me the problem was the solution.  I turned to Atlanta Car Title Loans.  I was leery of no credit check car title loans, but in this situation it made sense. My six year old car still had a good book value. I used that to cover the car repairs. It also enabled the car to operate more efficiently, giving me better gas mileage overall.  Ah, zen.

Another thing about it was I didn’t have to go to a scary storefront operation to get the $1100. I just filled out an online application from my home PC.  Sign on, answer questions, click and send – done in about 15 minutes. I got fast cash to pay the mechanic the very next day.  Through instant car title loans, you can manage a car problem with a car title – and get back to the zen of work, even if it is through Atlanta traffic.

A few years ago my wife and I faced a decision: buy a house or buy a truck. House prices in the Atlanta area were sky high then, so we got a Sierra 1500 full-size GMC truck instead.  Her parents said we were crazy, but I think the way things turned out we did the smart thing.

House values have fallen, but that truck is now how I earn a living.  I used it to drive to work, but about a year ago I lost my job and started looking outside the area for whatever work I could find.  Turned out there was great work in disaster recovery for guys like me with smaller sized vehicles because we can maneuver where big trucks can’t go.  The problem was you don’t get paid like a regular job – you’re a subcontractor, and often the work involves insurance payments (like with hurricane or wildfire recovery operations).

We had bad credit because of a health care problem in the family a few years ago.  Everyone’s ok now, but it drove up our bills and wrecked our credit rating.  So I had to look at the net pay in the end, then figure out a way to get to it.

So I went to Atlanta Car Title Loans, where I got a cash advance against the title on my truck.  Which was perfect: the vehicle that got me the work also got me the loan to cover bills in the lag time.  They have a simple online application, the money comes by the next day – its the loan with car title that kept us afloat until the good money started rolling in.  (We’ve gently pointed this out to my wife’s parents, who now agree with us.)