My microwave broke last year, then I had my gas cut off in July because I couldn’t pay their bill. Just to get it restored, I’d would have to pay a $200 deposit.  Have been eating at Taco Bell ever since.

I lost my job in March, which is what started the problem.  I got a new job in just a few weeks ago.  But because I was unemployed all those months, all my bills piled up. I earned really bad credit, so forget getting a credit card anywhere.  A car repair set me back another $420, which I had to borrow from a friend – but try getting to work or looking for a job without no car. I’m not even thinking about a gas deposit at this point.  

But I found a convection-microwave oven at the WalMart on Marina Boulevard in Brisbane for about $200. This would replace my need for gas or a regular microwave – you can cook most foods in them like with a conventional oven.  Even a smaller Thanksgiving turkey.

But I still needed about $200 for that microwave.  I went online and looked for “holiday loans” and “fast cash” and “are car title loans available in San Francisco?” when I stumbled on Car Title Loans in San Francisco.  They said my Honda (paid off about 18 months ago) could get me a loan for the $200 and the $420 I owe my friend.  The application was easy, fast and I didn’t have to stand in line in a store (their online application took 20 minutes to complete). The cash was sent by wire to my checking account the next day.  The first night I made fish sticks and sweet potatoes – which I am sure is healthier than a Chalupa.

Loans on car title work if you own a car and need money for necessary things.  I’m planning a small Thanksgiving dinner for my sister and her husband this year.

- Hank J.

I am never going shopping with my two sons again. My sons were starting to get really aggressive behind me so I said “whatever you do stop fighting I don’t want you guys accidentally breaking anything” Wrong thing to say to a seven and eight year old. They said “Ok mom we won’t. I thought I had the sweetest angles in the world.

Then they proceeded to work together to break nearly everything in the store. I just kept walking and lost track of them and then someone came up to me and asked “are those your kids.” “Yes” “Oh cause they’re breaking everything. Now I need to pay for it all. I don’t have the money for that.

So I looked for instant money loans online and found car title loans in San Francisco, California. An auto pawn could get me the money I needed to repay this big mess quickly. I applied online and found out I was eligible right away. I got a call back the next day.

I really don’t know what to do with my boys. I know they are the sweetest little angels in the world it’s just that they are free spirits. Oh goodness I guess boys will be boys, right?

-Lindsay C.

San Francisco, California

I was shopping the other day and I saw exactly what I needed. An electric back massage chair. This is kind of a common experience for me. I go shopping a lot and I see exactly what I need. Not the electric massage chair but something. What you think I just keep going back to see my massage chair? ha.

But I end up buying most of the things I need. I mean I NEED them. That means I can’t live without them. I can’t go on, how am I supposed to wake up those mornings when my back is killing me. I don’t need to right. But then I can’t make it to work and that’s a big problem considering I’m broke from buying things.

But I found a way to finance my electric massage chair. I searched online and found car title loans in San Francisco, California and realized I could get the money I needed. A vehicle title loan was the best option for me since I knew I could repay the money after I got my chair. I just NEEDED it NOW.

I got my chair and let me tell you. It is beautiful, I really don’t know how I get up and go to work. But when I do my back feels great.

-Cindy M.

San Francisco, California

My brother moved to South Carolina three years ago and I haven’t seen him since. We talk on the phone all the time, but travel is hard for both of us because of work and cost.  But he and his wife had a car accident this summer and it seemed like it was time I go out there to make their holiday a little more manageable. 

But this year airfares are almost double what they used to be. That plane ticket to Columbia, round trip with two stops in between, would cost $650.  I had to file bankruptcy last year because of my divorce.  I have bad credit and no credit cards. Spare money doesn’t exist in my life.

I looked for other ideas, even considered driving my Nissan out there (ruled that one out). But then I thought about an car title loans store I have seen down the peninsula in Sunnyvale. I wouldn’t go there – I don’t want to talk to someone through a thick plate glass window.  But I did a Google for “loans for my car title” and “fast cash” and I found Car Title Loans in San Francisco. They said my Nissan was good enough for that $650 – and I could get it by the next morning.

Timing is everything in booking flights: One day later, those fares all went up $90.  Because I acted fast, I saved money. I filled out the online application while drinking my morning cup of coffee. The cash was in my checking account the next day and I bought the ticket while the cheaper seat was still available.

I missed my brother and sister-in-law, and felt bad about not visiting when they had their accident.  I wish I had done this earlier.

- Jesse K.

My friends told me I should do it. They said “oh my god that would be sooo fun. You would be the first gay ultimate fighter and then people would know that we aren’t just stereotypes of feminine men.” Yeah it sounded like a noble cause. I thought that with enough hard work I could do it. It might take a while but sooner or later I would be ready.

I quit my job. Then I spent all my savings on my training. I even crashed with my boyfriend at the time and he paid the rent. But then I ran out of cash and I couldn’t keep going on with my training. I have bad credit and my boyfriend has been pressured financially. He didn’t want me to give up on my dream of fighting so he had to find a way to help.

He found car title loans in San Francisco, California online. It was actually really easy to get a car title loan. I didn’t need any credit at all because they don’t do a background check. I got to keep my car and I got a loan using my car title as collateral.

I had my first amateur fight just the other night. I won and I got booed after I made out with my boyfriend after the fight. Screw straight people

-Billy B.

San Francisco, California

After years of thinking about it, I finally decided last spring to start biking to my job in Hillsborough from my house in Millbrae because of gas costs. I was already diagnosed as pre-diabetic, so this was about more than the cost of driving. It was also about my health and my ability to continue working (I’m a housekeeper and manage two assistants in four homes in our neighborhood).

It had been years since I bought a bike and was a little shocked with the prices: what seemed to be my best choices were around $1000 to $1400.  I didn’t have that kind of cash and I had bad credit, no credit cards and was facing some costs for the summer for my children.  I needed fast cash to take advantage of the season.

That’s when I found Car Title Loans in San Francisco.  It’s all done through an online application, it’s easy to complete and even my 2001 Mitsubishi Eclipse was good for a $2000 loan.  By the next day I bought my “comfort-seat” model for $1100.  Now, several months later, and I am pleased to report I lost about 15 pounds over the summer and my gas savings came to more than $35 per week.

A loan on car title is a smart way to lose weight and save money.  

– Beatrica C.

I thought I had something real good going. And I did. I had my own business, exactly what I wanted all along. I finally could set my own hours and schedule and do the work I wanted to do. It was great, but there is always a bad side.  You hear people saying “Start your own business, it’s a good idea.” But when it goes sour no one thinks about it all that much.

So my business went sour. And you can tell when you’re starting to get screwed. But you really know you’re in trouble when you thought you had a thousand dollars in the bank only to make a withdrawal of $150 and find out your one hundred below nothing. So that’s my story. Business was good. Business went bad. Now I’m mad.

But I can’t really do anything. Besides I have no one to blame. Gosh, I wish I did. If only I could find someone who might be even a little responsible. Nope. But I needed cash. My credit is destroyed but I found money in my car title. Car title loans in San Francisco provide instant money with no credit check. A vehicle title loan only requires you own the title to your car.

I don’t know how my business got so bad. But I’ll always remember there is a dark side to starting your own business.

-Mike H.

San Francisco, California

I grew up in Belgium, and there we think about the environment always.  So even now when I am transitioning between jobs and my credit is not so good, I chose to make a smart investment in my home that will be a step toward stopping climate change.

I went to Car Title Loans in San Francisco to get $1400. This is where they use your car for collateral. Mine is a 2003 Citroen, good for at least $4000 in cash. Despite my bad credit, I completed the online application and got almost instant approval. My money arrived in one day – no need to go to that title loans store on Sutter Street.

I needed a water heater because the old one was soon to be kaput. And, I wanted an tankless water heater because they use a third less energy and reduce water consumption by about eight litres a day.  Also, a store in the Mission District is offering them at a 15% discount off the full $1400 price, counting delivery and installation.  But I had to wait on delivery and installationuntil  2009 to qualify for $300 off my taxes because it’s good for the environment.  That’s more than a $500 savings, plus monthly energy and water bills will always be lower in the future.  

I use loans against car title whenever I need fast cash.  Most often, it’s for a smart, money saving purchase.

- Margarethe N.

There’s a great place to go rock climbing in the city called Mission Hills.  I started climbing about a month ago with some friends and fell in love with it.  When I’m up there it’s just me and the wall.  I’m able to clear my head and all my troubles go away, for a little bit anyway.  I have been renting equipment but am thinking of investing in my own equipment.  I know this is something I will do for a long time to come.  But equipment is really expensive.  I’m looking at a few hundred dollars here.  I don’t have extra money for something like this right now.  I weighed my choices.  If I don’t buy the equipment I won’t spend the money but I love this so much and it brings a lot of peace to me.  I went with the second choice.  But I needed to find a way to get the fast cash I would need.

I was talking to a friend and she told me about Car Title Loans in San Francisco.  She said that I could get the quick cash I needed by filling out an online application.  And she said I would be approved in 10 minutes or less.  I went on the computer and filled out the online application.  It was so easy.  All I needed to qualify was to own my car.  I was able to get more than enough money to cover my expenses.  Now I can climb using my own equipment.  No more smelly shoe rentals for me.           

Stephanie M. in San Francisco

For he most part I walk and bike and take public transportation around town.  But we have kept the old Corolla for drives to the suburbs, East Bay, things like that.  I don’t think I’d every use it for a long trip because I’m just not confident it would make it.

But my older sister has been sickly for years, then we got a call she was seriously ill and in the hospital in Seattle.  This came a month after I lost my job and the bills were piling up.  Time I had, but money was tight.  Last minute booked flights were running around $400, but with my bad credit I couldn’t borrow the money either.  We thought about selling the Corolla, but that would take too long.

So while we were on the Internet looking at airfares, I just went to Yahoo and plugged in “Fast” and “Cash.” Up pops Car Title Loans in San Francisco.  Had never considered that before.  But these weren’t the stores along El Camino Real.  It’s all virtual, and on the website we could see our auto title was good for up to a $1700 loan.  

All I needed was about $700, enough for the flight, a car to rent and incidentals.  I filled in the online application, got approved right away, and the money was in my debit card the next day.  In 72 hours I was visiting my sister in the hospital.

She died the next week, so I’m glad I made the trip.  It was well worth borrowing against that old car, which we still have and is working fine, with a loans with a car title firm.

- Devin E.