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.

I like the excitement of disaster recovery.  Ever since I grew up in the mid-Atlantic coast region, it was pretty common for my daddy and me to go help out after a storm with his pickup truck.  I got myself a truck today, and as it turns out it was a smart investment that lets me continue helping disaster victims too.

I lost my job in Norfolk in March, so when the opportunity to work as a subcontractor to disaster recovery companies came up, I jumped at it.  The work actually pays almost double of what I used to make.  But the problem is you don’t get paid for a month or more after you get started.  With bad credit and lots of bills at home, that’s hard to manage.

But Norfolk Car Title Loans made it possible.  I didn’t like the idea of going to a shady storefront operation, but they have an online application form that takes no more than 20 or 30 minutes to complete.  With a truck title loan company, there is no credit check.  So I got my money fast — by the next day my wife was paying the bills while I was down in the Gulf coast region helping people save their appliances and furniture for when they rebuild and get their lives back together.

As a Norfolk native, with all my family close by, I would never consider leaving the area.  But when I lost my job at the Norfolk Naval Shipyard it looked like I might have to.  Even worse, I had an accident with my SUV right when I was in this job transition. When it rains it pours.

Things turned around in about four months.  I live in Portsmouth, but found a new job near the Norfolk Airport, about 20 miles away.  You hear worse stories about traffic and commuting, but it made my car all the more important.  It also meant I had to do some car repairs just when money was pretty tight to begin with.  There was a gap of four months of income, so the credit cards were at their limits.  I had bad credit, despite years of managing things prudently.  Not pretty, especially when the Ford needed some body work done.  

That’s when I discovered to Norfolk Car Title Loans.  I could use my car’s value to pay for the car repairs. For me, an important part of the transaction was I didn’t have to go to a storefront operation in some strange neighborhood to get the $1800 I needed.  I filled out an online application, which took all of 20 minutes from my home computer. Within 24 hours I had the fast cash to cover the body work.  By getting loans on car title, this working mother could start a new job and get a paycheck rolling in again.

Dave meant a lot to his family, and he was the rock in our marriage. As I struggled through some personal issues early in our marriage, he was always there. When he passed away at the age of 49, I was lost. No, I was more than lost.

Not only was Dave gone, but I now had to be the rock in the family, and I had to learn on the go. I had very little money, not much established credit in my name, just a couple of cars. My credit cards were maxed, and my credit wasn’t the best.

The solution I found was to take out a car title cash loan. Norfolk Car Title Loans helped me so much, they made it very easy to get my questions answered. The online application was easy, plus gave me a loan of $5,000 to cover my bills, and put some cash in my pocket. There was no credit check, and I was able to get my money now.

Norfolk Car Title Loans really helped me out during a critical time for our family. I wouldn’t hesitate to recommend them to my friends. Do not waste any more time, and go get the money you need.

-Missie M.
Norfolk, VA.