I moved our family to a small apartment this year because our house went into foreclosure. With equity debt, no health insurance and a job loss, there were no other options.  We sold off all kinds of stuff in a garage sale: clothes, furniture, kid’s toys, electronics, Christmas decorations. The new apartment just didn’t have enough space. 

Even after all that, money is tight. And we have bad credit for the next 7 years.

I don’t want all that to ruin Christmas for the kids this year. With just an extra $200, we could go to thrift shops and get decorations for a house plan, some creative gifts and maybe take a trip to Tucson to see our cousins.  Last week I saw a car title loan store on N. Jones Boulevard, and that got me thinking about the minivan, paid for already in 2007.  I didn’t go inside, but went on the Google and searched “car and title loans.” I found Albuquerque Car Title Loans.  I didn’t have to stand in line, I just did it completely through an online application.  

That took about half a lunch hour to do, and the next morning the money was in my checking account.  Now we’re looking forward to Christmas because of this fast cash.

The thing about car title loan companies is they respect your collateral and don’t require a credit check.  Sometimes you need the money fast to know how you’ll handle life’s complex situations.

- Gaston V.

I live near the University of New Mexico in downtown Albuquerque and work near the San Gabriel State Park.  It’s about 4.5 miles each way and I started doing it by bike instead of car this past spring.  It’s great, but it took some financial footwork to get the bike I needed for it.

The bike I needed for regular, daily commuting in all kinds of weather cost about $1700.  But due to some problems I had in 2006, I had to declare bankruptcy in 2007.  That means I not only have bad credit, I have no credit cards and most extra cash is spent on cleaning up those problems from 2006. 

But I knew the bike would be healthy for me and my wallet.  So I went on Yahoo and searched for “cash for car title loans” and “no credit check loan” and “fast cash.” There I found Albuquerque Car Title Loans. No storefront operation on Central Avenue necessary for this. It’s all done online. The online application took only 15 minutes – and I discovered even my 2001 Ford Focus could get me the $1700, no sweat.  

The money is sent by electronic funds transfer to your checking account in one day, so I had the bike the following afternoon. The next week I started biking to work. In six months of biking, I lost 20 pounds and was able to quit my (unused) gym membership because I was losing weight more this way. Gas savings is something like $80 per month.

The car title loan was a stroke of genius.  These savings covered the cost of the loan in the first month.

– Kerri T.

My wife used to ride with me to work when we both commuted to Lee Acres from our house in Los Griegos.  It was very convenient, but 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 Buena Ventura. 

So we now need two vehicles. But with our poor credit rating, a no credit check loan is our only option.

The solution was to cut our SUV into two pieces, figuratively speaking.  I did a Yahoo search for “fast cash” and “car cash title loans.”  That’s where I found Albuquerque Car Title Loans.  Our Chevy Suburban is good for at least a $2500 loan, a healthy down payment on a 2000 Chevy Monte Carlo.  Problem solved! 

Getting the loan through an online application took only 20 minutes. This is not a store somewhere on Central Avenue, I’m pleased to report. The money was in our checking account the next day and Albergina had her Monte Carlo in three days — just in time to start her new job.  An “credit car” title loans company is a pretty smart scheme for financing a second car when you really need one. 

- Evan F.

Heres’ my story. Since January, my company closed up, I immediately developed bad credit scores, and was so short on cash I ended my gym membership.  So poop happens.  Things will turn around eventually.  Then a buddy from college called to offer me a two month contract with his company in Philadelphia.  So that was great, but with no money for airfare how as that going to happen?  I didn’t even have a credit card that would work, but of course I didn’t tell him this.

I’m a marketer, so at least I’m creative.  So I searched online for the words “fast cash” and found Albuquerque Car Title Loans, where I could use my Volvo for collateral.  The car title loans people said my car was good for a $7000 loan.  OK, that was more than enough.  Next, I found airfare for $540 round trip. I borrowed $2000 to cover me for the time in Philly (no hotel, was staying at my friend’s house), knowing I’d come home with a pile of money for the work.

The best part is Albuquerque Car Title Loans is nothing like those you see on Central Avenue.  You do it through an online application, which is approved in ten minutes.  Funds are sent to your checking account the next morning. In three days, I was in the City of Brotherly Love, working again (how about the City of Getting Back on My Feet?).  Paying off that loan was a no brainer.

Car title loans in the current economic situation are a very smart option, a good back up.  

- Rex S.

On most things I’m pretty decisive.  But where it comes to health and money I sometimes waste important, valuable time.

Because our mother died of colon cancer, my sister and I get colonoscopies every three years. That worked fine when I worked for a big company with good medical insurance benefits.  But I was laid off from my job in 2006 and was unemployed for a year before finding another one in Los Lunas.  They don’t offer health insurance.  So now I am at four years past my last colonoscopy (I had two polyps then), with bad credit and no extra cash to cover the cost of the procedure, which is around $2500.

Much as I tried to not think about it, I had a bad dream that woke me up one night.  So I went online to see if I could find some fast cash somewhere.  Google took me to Albuquerque Car Title Loans, and they told me my Subaru was worth $4000 in loans.  I didn’t hesitate then: I filled out the online application in 20 minutes and was approved in an hour.  I called my doctor that same day to set an appointment.

The good news is I’m cancer free.  What a relief!  Now that I’ve been through that I’m looking for a new job, one with better benefits. A vehicle title loan in these circumstances make all the sense in the world.

- Francisco G.

When the housing market was crazy, I decided to become a real estate agent.  And for a couple of years it paid well.  But with the meltdown of the economy, I’ve decided I can’t weather these ups and downs.

I’ve decided to reinvent myself.  I like new things and really am interested in becoming a massage therapist.  It will require retraining, but I’ve already found a school where I can begin to work on my certification.

But I’m not a member of the WalMart family. (If I were, would I be living in Kirtland Addition?)  I fell behind on my credit cards and now have bad credit. I am working temp jobs, but there is no money left for classes.

A friend told me to consider the value of my car.  As it turns out, it can be turned into cash without selling it — you just go for a instant car title loans store.  It’s on the internet - you fill out an online application with Albuquerque Car Title Loans.  Takes all of 20 minutes to do.

I was able to sign up for classes in a day. The money arrives that quickly.   This solution to my cash flow problem really worked!  No one is slowing this girl down, not even a bad economy.

- Trebetha U.

Outside of the city there really isn’t much to do.  All the desert is very boring unless you find a way to use the desert to your advantage.  I always saw the doombuggies on TV and really wanted to get one.  They look like so much fun.  I needed this to boost my life so badly, but really didn’t have any means of getting the cash for the down payment.  The only thing I had as an asset was my car.

I was searching the web one day looking for a way to get some quick cash to get the doombuggy and I came across a site for car title loans.  Albuquerque Car Title Loans was able to take my title and get me some fast cash.  The application process was so simple and even without good credit I was able to get cash the same day. 

I went and put a decent down payment on the buggy and I was soon cruisin’ around the desert in my new toy.  If it wasn’t for the car title loan I think my life would have gotten too boring.  Now the desert is fun!  Thanks alot Albuquerque Car Title Loans!

-Margarita H., Rio Rancho, NM

My husband jokes I moved to Albuquerque from Las Vegas because I’m not a gambler.  And he’s right about that (I also did it to marry him).  But clearly, I’m not one to risk money and possessions.  So it was a surprise to a lot of people that I would get an auto title loan to cover an unavoidable expense.  

And, I’d do it again if I had to.

My husband had a construction site accident in 2006.  Because he has lingering injuries he’s not able to work.  He’s non union so the disability he had was not very much.  He’s able to take care of the kids while I work, so that has some pluses.  

Fortunately I work and our family is on the company health insurance benefits program.  But that has been disappointing lately too. My co-workers and I have had to pay much higher premiums the past several years. We are responsible for bigger deductibles and co-pays, meanwhile, premiums are going up rapidly and we’re paying a greater percentage of those. Costs to our family rose in two years by more than $350 per month.  

Andy is on medications for pain, and recently an operation was undertaken to help ease that.  To my shock, our out-of-pocket costs came in at $3800. We did not have this cash sitting in a bank or under a mattress anywhere. We also had used much of our home equity to renovate a kitchen and a bathroom in 2005.  Given the current economic state, the bank had no interest in extending the size of that loan now.  We technically have “bad credit” because of all that’s happened  We actually considered selling our house, but realized we’d owe $30,000 on it after the sale if we could find a buyer at all.  Who needs to be homeless with a $30,000 bill?

So it came down to the idea about the car title loan.  It was a way to cover the medical bill and help bring back our credit rating.

The source for fast cash was Albuquerque Car Title Loans.   You go online and there it is.  The online application takes about 30 minutes or less to complete.  You get your money in your checking account the next day.  It’s a vehicle title loan company I would use again if the situation called for it.  

- Karolyn L.

My great grandmother was a homesteader in New Mexico.  She always said to look for the solution inside the problem.  Even with modern difficulties, those words are as true today as a hundred years ago.

I used to work near where I live in Isleta.  But on a Monday, I started having problems with my Jetta, and on that Tuesday, my company closed up shop.  OK, I said, look for the solution here.  It took 12 weeks to find a similar position up in Hahn, a solid 24 miles north on 25.  You can’t do that commute day in and day out on a sick Volkswagen.

The trouble is, in those three months out of work I ran up my card charges, got behind in some payments and ended up with bad credit.  So how do I pay for $1500 of car repairs??  

The solution really WAS in the problem.  I turned to Albuquerque Car Title Loans.  Those no credit check car title loans always scared me in the past.  I think it was the storefront operations in unfamiliar (to put it nicely) neighborhoods.  But this is a loan you apply for online. My 5-year old Jetta still has value, so this is where I could use it to cover the car repairs.  Brilliant.  I just filled out an online application from my PC. It’s fill in the fields, click and send – done in about 20 minutes.  I found the fast cash I needed, got the car fixed, and now I’m driving happy.  Through a auto title loan, I was listening to my great grandmother’s advice.

I bought a Chevy Colorado Mid-Size truck because I do light construction work in addition to my full time job.  And one day I’d like to make that my full time work because I enjoy it and it pays much better.  

But right after I bought it a few years ago we ran into some medical problems with my wife and the bills nearly wiped us out.  So I look for opportunities to make extra money where I can. I hope to erase my bad credit and start building that business.

I feel a little guilty about saying this, but my opportunities arise from natural disasters.  Because every natural disaster generates work for guys like me with trucks.  After fires, earthquakes, tornadoes and hurricanes, there’s clean up work to be done, work that large trucks don’t make sense doing.  Well, I don’t wish for disasters anywhere, but you-know-what happens.  The work has to get done and the pay is very good.  Almost three times  what I make in my regular job.  

The trouble is this: to go to California to clean up after the fires there this year, I’d have to leave my regular job.  The pay from the cleanup work is sometimes dependent on insurance claims, and as a subcontractor I’m one of the last to get paid.  That could be two months with no income.  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 Albuquerque Car Title Loans.  Their online application that takes about 15 minutes.  The result is money when you need it.  I got the advance in one day, which gave me the confidence to go and start the work in California.  My wife wasn’t too happy about that truck when we ran into money problems–especially with high gas prices.  But now, the loans on car title in this situation actually means making MORE money, enough to help us get caught up.