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.

Living in the most beautiful city on earth has its price.  And when the chips are down, well, you cash in your chips.

A few reversals of fortune in our happy little home has left us with bad credit, no extra cash and a refrigerator on the blink.  We called a repairman, but he said the cost would be around $800 to fix.  A new one might cost $850.  We did the math and decided we had to find new.  Only cheaper.

This is where Craigslist is a gold mine.  I checked out demolition projects and saw the exact model we wanted anyway in San Mateo.  The demolition sale was in two days and I figured out a way to get there a day early.  I thought a cash offer of $500 would convince them to let me have it.

Next little challenge: find $500.  

Then my wife reminded me that at least our cars are paid for.  Brilliant woman, that wife.  I searched online and found we could get a loan through Car Title Loans in San Francisco. They offered me $5000 in a title loan but all I needed was the $500.  Actually, I took $800 because we need a new microwave too.  It’s all online, I filled out the online application, the money came by EFT to my checking account, and off to San Mateo I went with cash greenback bills in hand. We bickered and bartered and settled at $550.  This is a refrigerator that originally cost $2300.  

Laugh all you want, but auto title loans for capital improvements to your home – especially on a deal like this one – make complete and total sense. 

- Ned O.

I moved to the Bay Area to work in Information Technology.  It was my dream to live and work here, and I fully enjoyed every bit of it since I landed in San Mateo in 2002.

So when my company shipped my job to Bangalore, I wasn’t about to move with it.  At the same time, it’s hard to argue with their economics.  

Unfortunately, my personal economics suffered from this.  I worked consulting gigs, but that was spotty and it became necessary to consider retraining.  With bills to pay and a girlfriend with expensive tastes, did I have a choice?

Unemployment only covered a portion of my bills. And because my bills got ahead of my resources, I got bad credit.  And with bad credit, where would the money for retraining come from?  

Based on my own analysis, my need for fast cash translated into a car title loan.  Glad I bought that BMW when I did.  Once I got used to the idea, I filled out an online application with Car Title Loans in San Francisco. It was nothing like going to a car title loans store in Daly City or something. In one day I had my money and the next I registered for my class.

Given the credit crisis, this actually was a pretty clean and logical deal.  Auto title loans are really just another version of leveraged value.

- Marc N.

Welcome to Car Title Loans in San Francisco!