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.