Since the holidays have been over.  I feel like I’ve had a financial hangover.  In other words, I’m flat broke.  It seems I don’t have a penny to my name.  It sucks because everything cost more before the holidays and now that they are over.  Everything costs half as much and I don’t have any money.  Heck I didn’t have any money when I bought gifts for Christmas.  I had to use my credit card and now that is maxed out.  It don’t help none that the economy sucks and that I’m a hill billy myself.  It’s really hard to get by when you grew up eating paint chips because you didn’t know no better.  Heck, now I just plant potatoes in my back yard.  But when I was growing up with my Ma and Pa and my brothers and sisters - we didn’t have much and all I wanted was a big mac.  We would eat the bark off of trees and then started chewing on the wood shingles from the roof.

Since this idea, I have been strapped for cash, but my friend says I can get a car title loans and applications take two minutes to fill out.  No personal info is needed and why spend all day in a bank when you can go get an auto title loan for your car or truck  and have money right away.  Thanks to car title loans in Norfolk - I now have more room to breathe!  Hey Car title loans in Norfolk is much better than borrowing from friends or family.

By the way Norfolk is near Portsmouth, Newport News, Hampton, Virginia Beach, and Chesapeake.

This is not what I had in mind when I graduated from college.  I married my frat boy, we bought a house and had some kids. I even kept my career going.

Then Jed left three years ago. Next, I had emergency heart surgery this past winter, my insurance covered 30% of the hospitalization, forget pharmaceutical coverage, I was let go from my job six weeks later, COBRA will cost $1200 per month, I am waiting to find out what we can get from social security, child support from Jed just quit coming last summer, and I lost all the charge cards. Not sure if we can hold onto the house.

So how do we handle Christmas?  I wasn’t sure where the money would come from.  A few weeks ago I saw a car title loan store on Ocean View Avenue and thought about the Taurus, paid for in full in 2007.  I didn’t go in – despite everything, I still have my dignity – so instead I searched online for “auto title loans.” I’m plucky if nothing else.

I found Norfolk Car Title Loans – which is great because they have an online application and no credit checks.  I completed it and got the money in 24 hours.  I took only $250, but lemme tell you, I know how to make a grand celebration my kids will never forget with that money.   

- Wallis W.

My son moved to San Diego in 2006.  Now he and his girlfriend have had a baby, and I’m thrilled to be a grandmother. They’ve invited me to come out for a visit for over a year, and Christmas week is when I can get time off from my job. Of course I want to go very badly.

This would be my first trip to California.  But I didn’t know how I could pay for a plane ticket. I went on the Internet and I couldn’t find a fare below $620. If I could travel earlier in December the fares are much cheaper, but Christmas week is my only vacation time. Unfortunately, I have bad credit and because I have no credit cards, this actually looked like it was impossible.

So I searched more on the Internet for “car title loans near Norfolk” and “fast cash” and I found Norfolk Car Title Loans.  The car title loan choice appealed to me.  They said my Chevy Silverado (2000 model) was good enough for that $600.   This was my ticket! 

I have driven by the car title loans store on Newtown Road, but never considered going there.  I was so more comfortable doing it online.

In less than twenty minutes 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 hundred dollars.  Goes to show, never hesitate when you see a good price on plane tickets because they go fast.

- Durelle F.

Normally, I wait until Sundays to do all of my laundry. You know, I just let it pile up there all week into a big pile, and then on Sundays I usually just relax and do laundry. Well, a few weeks or so ago, I got my loads seperated and I brought them down into my laundry room and guess what happened? The dryer was all types of broken!

What was I supposed to do now? There’s no way I was going to haul all of these clothes down to the cleaners every week. No way! That is WAY too much trouble for me. I can hardly bare to do it in my own place! This one day I had to make an exception. And on top of that, I had to pay an insane amount in quarters for each load! I was SO angry!

My other problem now, was that I didn’t have any money saved up to go and get a new dryer. I mean, that was the last thing on my mind that was going to go wrong, you know? I called my parents, my aunts, my cousin, my brother, and a few of my closer friends, but nobody was in the spot where they could lend me enough money. I seriously needed a solution to this problem, and quick!

I hopped on the computer and searched for “bad credit loans in Norfolk”, “fast money in/around Norfolk,” and this website pops up called “Car Title Loans in Norfolk”. At first I glanced at it and almost closed the browser window, but for some reason, I didn’t. I read a few of the stories about how they helped other people, and how the online application was so easy. I decided to take a chance, and it was true! I was approved in less than an hour, and the NEXT morning I had the money in my bank account. Now THAT is great service!

The very same week that my dryer broke, I had a brand new one in my basement. Isn’t that amazing? Not only that, but solving it fast! I would recommend Norfolk Car Title Loans to anyone!

Jasmine

Its that time of year.  Everyone of my friends have started shopping for their kids.  They want to get it out of the way and there is a lot sales right now too.  It’s best to get shopping now because I hate to put things off to the last minute especially because holidays can be stressful enough as it is.  My kids are great and they deserve good presents.  I want to get Tommy an xbox 360 and halo 3.  My friends have told me that kids will spend hours on that machine and they can talk to other kids.  Its good for him because he is shy and could benefit from chatting with other kids.  The problem is I don’t have much saved up this year because expenses have been high.  I needed to find a fast cash solution.

One of my girlfriends from my book club said Car title loans of Norfolk is a great fast cash solution that may solve my financial woes.  It is really easy to do.  You go to their website.  If you have questions just read through it really fast.  You have to have a car or truck to get an auto title loan -that is important to remember.  There is an online application that takes just minutes to fill out.  It’s great and I’m glad to that money is available within hours.  My kids Christmas will be save be car title loans in Norfolk.  I never thought I would say that!

When I decided to separate from my husband, I barely knew how I would do it.  I had never lived on my own before, so I moved in with my sister.  But that didn’t work out too well either so I looked into getting a small apartment.  I found one not far from my job at the Naval Station, so that made sense.

The landlord wanted a security deposit of one and a half month’s rent.  I knew I could afford the $600 rent, but to come up with another $900 on the spot seemed impossible.  My husband had run through all our money and maxed out the credit cards and then left me with paying them.  So not only did I have no money, I had bad credit.

My friend at work told me to search it out on the Internet.  So I keyed in “fast cash” and found car title companies.  I put in “loans for car title” and there was Norfolk Car Title Loans, a company with an online application that helps you avoid those car title places off East Virginia Beach Boulevard (I don’t think as a single girl I would go there).  I had my money in a day and was able to secure that apartment for the following week.

- VeeVee A.

Wouldn’t you know it?  I knew my water heater needed to be replaced soon.  But I was working for subsistence wages in a temp job since losing my full time job in 2007.  There was no extra cash around to do this home improvement that might mean boiling water on the stove if I didn’t address it.

I also was planning to eventually buy a tankless water heater.  These are the ones that instantly heat your water on demand.  They save about a third of energy costs with every monthly bill and six gallons a day on water use – when you don’t run the tap so long waiting for the hot water to arrive you save there too). Topping that all off, there is a federal tax credit of $300 in 2009 for purchasing this technology and a store in Portsmouth is offering these heaters in a pre-purchase sale: you order it now with a $400 down payment today, you get the water heater at 15% off and 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.

This is an investment that will pay me back over time.  So I turned to Norfolk Car Title Loans for a $400 on my 2002 Camry.  The online application allowed me to avoid going to one of those storefront car title places on Brickell Road.  It took 20 minutes to fill out and I got the money the next day in my bank account.

This auto title loan in this time will turn into a net savings – and I’m doing my bit for the environment at the same time.

              -Ben C.

There are six people among my siblings, parents, aunts, uncles and cousins who’ve had colon cancer  My brother caught it at stage 2  about three years ago.  He and his wife had to declare bankruptcy because of all the medical bills.

So naturally I get frequent colonoscopies, at least every three years.  When I worked at my job in Newport News it was easy because we had great health insurance, and my out-of-pocket costs were only $300.  But I left that company in 2005 and have been doing temp work ever since with no medical insurance.  I was supposed to get my colonoscopy this year, but couldn’t afford the full $3000 cost that you pay when you don’t have insurance.

That job loss also meant bills I couldn’t pay and now I have bad credit.  I’ve even had trouble paying my landlord a few months and considered moving away from Portsmouth.  So $3000 looks impossible.

With these family genetics, you’re always checking for signs.  I worry about every little stomach ache (it’s gas, usually).  So I went online and found Norfolk Car Title Loans.  I learned a six year old Buick is good for a $4000 loan — enough to cover the hospital and doctor fees. The loan is done entirely on the Internet — you complete their online application, they send an email with your approval that same day.  The money is sent by wire to your checking account.  It’s fast cash, which leaves you less time to worry.

I had no polyps and no cancer.  I highly recommend getting title loans if you’re worried about your health but may lack the money to have it checked.

- Madalyn N.

I know driving an SUV may not be the most environmental act.  But that Land Rover of mine helped me cut my energy use by 40% in the kitchen.

Our 1970s refrigerator is an energy hog, and my wife hated it because the color was from that decade too.  I had read that old refrigerators use more electricity, and learned that new models can reduce energy consumption by 40%.  The trouble is we have bad credit and aren’t saving much with these gas prices.  I couldn’t see how we’d get a loan since our home equity is maxed out too.  

I was poking around the Internet and saw how developers of unsold condos in Chesapeake were selling off Energy Star rated, stainless steel refrigerators, originally $2800, for $1200!  Brand new, never used.  But you had to go get them, cash and carry, the next day.  I needed fast cash.  

Well, the Land Rover is paid for.  So I went to Nashville Car Title Loans, where they told me I could get up to $2000 in a title loan.  All I needed was $1200, so I filled out the online application.  I finished it in about 20 minutes, was approved in an hour and had the money the next morning – just in time.  It’s beautiful, and so is my lower energy bill.

An automobile title loan made it happen.  That, and my gas guzzler Land Rover

- Denny E.

My wife and I are responsible people.  We raised two children, both in college now.  We save through a 401K, pay our mortgage, and don’t borrow beyond our means just to buy things or take vacations.

That’s why what we did was pretty shocking to friends and family. What was it?  We borrowed money by using a car title as collateral. It turned out to be our best option.

It began when Linda was in a car accident. She first went to Chesapeake General for the emergency room, then later at Sentara Norfolk General Hospital for follow-up treatment. There were six operations, then she had three months of physical therapy, not to mention the medicine cabinet of pharmaceuticals to manage pain and infections.  Linda was a triathlete before the accident, and was not inclined to letting the injuries cripple her for life.  She’s a fighter.  

But some of our biggest battles were with insurance coverage.  She has health insurance coverage at her job.  We thought it was good insurance. She has been with her company for more than 10 years. Her premiums have gone up a lot in the past five years, and she now pay more than 50 percent of those premiums. Her monthly premium costs rose by $150 in the last four years.   

It wasn’t enough.  We had to argue on so many parts of the coverage.  We had to discontinue physical therapy for two months because they determined it wasn’t essential coverage.  Our out-of-pocket costs were $7000!  With her on disability, we couldn’t pay all our bills, so we ended up with bad credit.  After years of faithful, diligent bill paying on cars, house, kids’ tuition – we couldn’t get a bank loan, or an extension from credit card companies or our mortgage bank. To dip into our 401K money would incur huge penalties, as well as losses due to the down stock market. Our children offered to drop out of college, which we wouldn’t accept.

But we own one car outright, and decided to try car title loans. It was a way to buy time – and get fast cash for her physical therapy at a time that was critical for her recovery.  Because of that car title loan, Linda walks better.  I hope someday she can get back to swimming, biking and running, her true love.

Norfolk Car Title Loans was essential because of the timing of her therapy. Later, we were able to negotiate at least partial coverage (that took only three months).   I was relieved we didn’t have to go to some storefront operation – it’s all online, where you spend about 20 minutes on the online application. The money is in your checking account the next day. For anyone else in this situation, get online auto title loans with no credit checks.  It’s what you sometimes have to do to manage health care in our crazy (I say “broken”) healthcare system.

- Dave E.