Another year and the holiday season approaches, and another year I have almost no money! (Haha) I have all my Thanksgiving plans set and everything is paid for, but I really enjoy getting my Christmas shopping done early - like, way early. Before Thanksgiving if I can. The only problem this year is I won’t have any money until nearly Christmas time, and that wasn’t okay with me. I need to do a lot of shopping for a lot of people.

I looked around a bit on the Internet and came across the website for Oakland Car Title Loans, and I filled out the online application. They even had a live representative there to help me and it wasn’t one of those annoying, stupid computer voices either - it was an actual person. I got approved in less than an hour and I had the money the next day. They even have an unbelievable interest rate - 5.9%! That’s insane! I saved like, hundreds of dollars compared to any other company I’ve ever used before.

They don’t leave me with that feeling that I just got totally screwed over, you know? I went and did my holiday shopping and I felt good about it the whole time because I knew that I wasn’t breaking the bank as I was doing it. I actually felt good about it, and I had a lot of fun. I know where I’m going next time I need some quick money!

Angela B.

Oakland, CA

My wife and I always throw Thanksgiving parties at our place out here in Oakland. I have a lot of kids, who have kids, who like to eat. One of my daughters, Sarah, told me she and her family couldn’t afford to fly in for Thanksgiving. That almost broke my heart, and I told her not to worry about it. That I would take care of all the expenses, and even pay to put them up in a hotel for the entire weekend just so we could spend some time together. You know, I rarely see my youngest daughter anymore, and I’m getting old, I need these times with her.

I didn’t really know where I was going to come up with all that money, so I looked around on the Internet - which took me awhile, because I’m not too computer friendly. But I stumbled across the website for Oakland Car Title Loans, and I wasn’t sure if it was such a good idea. Most of these places are scams, and you end up paying more in Internet than you get for the loan. It’s just stupid.

Not here, though. It said they only have a 5.9% interest rate - and I tell you, I almost had a heart attack when I saw that! That’s like, paying NOTHING for the loan! I filled out the online application, and they had a live representative walk me through the entire process. Thank God for that person, that lovely lady made it so easy for me to do. I already have the money I need for Thanksgiving now, thank God. If I would have got a loan anywhere else, I would have paid hundreds more, and I mean that! I saved probably six or seven hundred dollars in interest going through Oakland Car Title Loans!

Walter S.

Oakland, CA

We lost our house in foreclosure this year.  After some health problems that put me out of a job, there were no other options.  I sold our clothes, furniture, Christmas decorations and even toys in a garage sale in August.  There wouldn’t be room in our new apartment, and we needed the money just for moving expenses.  My kids handled it better than I did, I think. 

I’m determined to make this a good Christmas that starts off a better year.  With just a two or three hundred dollars, I could get a tree, a few gifts and maybe take them on a drive to visit family in Sacramento. But of course I have bad credit, so credit cards aren’t my answer anymore. Last week I saw a car title loan store on Jackson Street and thought about our Dodge van, paid for in full two years ago.  I didn’t go in, but decided to go online and search for “loan for my car title.” Oakland Car Title Loans is done entirely through their online application – it  takes 15 minutes to complete, no standing in line anywhere.  

Within 24 hours, the money was in my bank account.  That ended up being the fast cash I needed to buy decorations in a thrift shop for 10 percent of what you’d pay for them at WalMart or Target.

Money in hand can help you shop better.  Car title loan companies are a good option when there are no others.

-Samantha G.

So, this past August I’m sure I’m not the only one who had my air conditioning cranked up. It was SO hot! My place was like an ice cube though, seriously. It was so cool in there and I loved every minute of it.

I got my electric bill for that month and I swear to God, I almost crapped in my pants! I had a $700 electric bill! There was no way in hell that I’d be able to pay that off with what I make. That’s almost as much as my rent every month!

So I only paid a partial payment of the bill, thinking I’ll be able to catch up in September, but again, I got another ridiculous bill. It wasn’t quite as expensive, but it was still up there. So now I was another month behind, and I really didn’t know what to do.

There’s no way I could get a credit card loan or a bank loan, trust me, with my credit I knew better than to even try. A friend of mine told me to try out some different car title loan stores and websites, so I checked a few of them out.

Immediately, I found Oakland Car Title Loans. The online application was so easy, it took me less than twenty minutes to finish(only because I’m completely computer illiterate.) I got approved immediately and they wired the funds directly to my bank account the next day!

It was hard to believe that it worked out so perfect. With my bad credit and loan history, it’s almost embarrassing to even attempt to get a loan. I have to tell you though, I’m glad I tried. Oakland Car Title Loans really came through for me, and they make the whole process painless. I really mean it when I say this - thank you!
Jonny K.
Oakland, CA

We’ve had a hard go at it this year because of my wife losing her job.  With half the income, we got behind in bills, the rent, everything.  

But just a month ago, she found a new job in Sunnyvale.  Now this is a trip from Santa Clara, where we live, and she is more used to taking the bus or getting a ride from me on my way to work.  The job is important – she looked for four months and this is the best she could find.

The trouble is, she needs to drive to her new company.  I need my Chevy Silverado for my own work, so that means buying a new car for her.  With our financial situation, a no credit check loan is all we could afford.

So I went on the internet and searched for things like “easy loans” and “no money down loans” and just “fast cash.”  Up popped Oakland Car Title Loans.  Turns out my 2005 car is good for a $3000 loan, just enough for the down payment on a 2002 Mercury Grand Marquis.  

The loan application was all online, took all of 20 minutes to do, and we got our money in one day — just enough time to grab that car and get my wife to her new job three days later.  Car title loans are the way to go when you need to buy something fast and don’t have a lot of spare cash.

For the record, I am looking good despite everything.  I lost my job, my boyfriend, my credit rating, all spare cash and my car is sounding funny too, lately.  But Missy M. never misses a workout or a hot oil scalp treatment.

The car, an earlier model Saab, gets me around town OK, including to job interviews all over the East Bay. But I recently needed to make a long trip and it would never make it if I took that car.

The trip was to Seattle to help my bestest friend in time of need.  Her husband left her for some tramp and she was basically having an emotional meltdown.  Girls help each other in these circumstances.  But with no cash, how would I get there? 

Where were we before the Internet?  I searched for Fast Cash and Airfares, and found Oakland Car Title Loans and Travelocity.  I figured find out if there’s any cash available first before trying to book a flight. The car title loans people said my Saab was good for a $1500 loan.  OK.  Travelocity’s flights r.t. to/from Seattle were about $470.  I had my plan.

Just so you know, this is nothing like those stores you see on Jackson Street.  There’s no conversations with a clerk through a bulletproof glass window.  You’re just talking to some tron through your computer screen glass.   The online application was very simple, and my approval came through in ten minutes.  My checking account received the funds the next morning. By that weekend, I was in Seattle with my girlfriend, taking her shopping to spend her husband’s money, the whole retail therapy thing, and being a good shoulder to cry on.

Car title loans with no credit checks are a girl’s best friend.  

- Madeleine N.

When you lose your job there’s a lot to worry about.  Dying from cancer shouldn’t be part of that, but it’s really my story.

My mother passed away at age 54 from colon cancer. So ever since I was 40, I had regular colonoscopies, about once every three or four years.  I’m 52 now and had my last one in 2004, when they found four polyps.  At the time I had a job with great medical insurance that covered the cost. Money was just not a part of the equation (worrying about a diagnosis was, of course). 

But I lost that job in 2007.  My husband is self employed, so we considered COBRA, but it would cost us $1400 per month with three kids.  That’s more than our mortgage, and because of some other emergencies, we had bad credit.  A colonoscopy paid for out of pocket can run about $3000.  It was just not realistic.

But I was constantly thinking about how I lost my mother, and what that would do to my kids.  They’re doing great, in high school and our oldest daughter is at Holy Redeemer College now, just terrific young people at the best time of their lives.  The stress, I tried to carry it quietly — checking for symptoms, noticing any stomach aches, always looking at my stools (they tell you to do this) – but it was taking a toll. The $3000 just wasn’t available.

I just had to do something. Late one night I went online looking for fast cash – and found Oakland Car Title Loans.  I made my last payment on our Malibu just before I lost my job.  It’s book value was $4000.  I needed just $3000 in fast cash to get the test. 

Unlike the old storefront title loans businesses, all you had to do was an online application.  It took 20 minutes and I was approved in less than an hour.  The money landed in my bank account the next day, so I called my doctor.  She helped cut the cost a little when I explained my situation.  

I had three polyps and they said they were not likely pre-cancerous.  I broke down into tears when they said that.   With this behind me, I’m feeling more confident about job hunting again.  A auto title loan in these circumstances is a responsible decision.

- Caroline D.

There was recently an earth quake in California.  I live in Oakland and we had some of the worst damage.  It was about 4 o’clock in the morning when I woke up to the room shaking.  In the past, the room would shake for about 15 to 20 seconds and then things were calm again.  Not this time.  The shaking got worse and everything started to fall.  The pictures fell off the wall.  My glass kitchen table shattered all over the floor.  My plasma T.V. crashed from the wall into the floor.  I was so panicked and thought it would never stop.   My daughter wasn’t home.  She was visiting her dad a couple towns away.  I tried to call my ex-husband but the phone lines were dead.

After all the chaos, the important things were ok.  My daughter was safe.  Everyone in my apartment building was safe as well.  And I later heard on the news that there were no fatalities.  Thank goodness.  But just about everything in my apartment was completely ruined.  I had renters insurance that would cover about an eigth of the damage.  I was responsible for the rest.  Obviously, not everything needed replacing.  I could live without the knick knacks that were collecting dust for years now.  But there were ceratin things that would need to be replaced.  I needed some fast cash to get my life back in order.

I was talking to a friend and she told me about Car Title Loans in Oakland.  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 won’t have to live in an empty apartment.    

Tammy A. in Oakland

My mother told me to study accounting because there is always work for us.  Mom didn’t know audit work can be outsourced overseas.

Which is exactly what happened to me. I had become a specialist in one area of auditing, and really wasn’t interested in anything else in accounting. I kicked around for months going on interviews, but it was clear my interests weren’t in accounting any more.

And my personal economics suffered from this.  I fell behind on bills and still couldn’t find the motivation to work at something I never really liked in the first place.  I realized I’d need to retrain.  

Much to my dismay, because my bills got ahead of my cash, I earned (?) bad credit. And with bad credit, where would the money for retraining come from?  

I ran some numbers and realized one of my most leveragable assets is my car. So, my need for fast cash translated into a car title loan. It makes more sense than some of the crazy things they did on Wall Street leading up to the financial crisis — a car is a hard asset you see and touch and use for something.  So I filled out an online application with Oakland Car Title Loans – which is nothing like going to a car title loans store downtown. The funds transferred in hours, and I was signed up for classes in a day.

I don’t miss accounting, but I’m glad I have the skills for assessing value.  That car of mine was a godsend in this case – the bank car title loans solution to a cash flow problem.

- Piotr Q.

Confuscious say, “make problem the solution.” But did Confuscious ever try commuting to work in the East Bay? 

I live and worked (past tense) in San Leandro, near the airport. Then I had a car accident.  Next, I lost my job.  When it rains it pours.  But then I found a new job – 25 Oakland miles up north in El Cerrito.  To do that kind of commuting I needed some key repairs done to my car.

Note the job didn’t come for four months.  And this hit just when gas prices were going through the roof. A guy’s gotta do what a guy’s gotta do, but I wasn’t sure the car would hold up under all that driving without getting fixed (and who wants to deal with the expense and hassle of towing if the car breaks down some morning along the 880).  

It was time to face facts.  Because I was out of work so long my credit cards were at their limits.  After just a few of missed payments I had bad credit.  Which really burned me because I had been pretty good about managing it for many years.  

But like Confuscious say, the problem was the solution.  I turned to Oakland Car Title Loans.  I always shied away from those no credit check car title loans, but in this situation it made sense. My five year old car still had a lot of value. I used that to cover the car repairs. It also enable it to operate more efficiently, giving me better gas mileage overall.

Another plus: I didn’t have to go to a scary storefront operation to get the $1300. I just filled out an online application from my home PC.  Sign on, answer questions, click and send – done in under 25 minutes. The fast cash to pay the repair bill arrived the very next day.  Through vehicle title loans, you can manage a car problem with a car title – and get back driving to work.