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.

I was raised to spend money wisely and borrow carefully.  So now that a bunch of situations are working against me financially, I am doing exactly as I was taught.  

That’s why I went to an auto title lender to cover a medical expense.

It started when my husband got a bad health diagnosis in January. He’s ok now and the prognosis is good.  He’s a stay-at-home dad, so it was a difficult time for all of us, our three children included.  

If that wasn’t bad enough, my company’s health insurance program made it all worse.  He and his co-workers have had to pay much higher premiums the past several years. With that, we get reduced benefits and bigger deductibles.  This is not at all like in Europe, where my family is from.  

When Gustavo got sick, our out-of-pocket costs for the treatment were $3200. Add to that, our mortgage rate adjusted upward.   So this whole thing hit when we realized we have “bad credit” due to the fact we’ve had a hard time keeping up with bills. It was starting to look like we might have to sell our house in Oakland, which would be terrible in this market.  

I work in near the College of Alameda, but we live closer to Berkeley.  My car is essential to my job.  We considered selling our second car, but that’s nearly impossible with children.  So we decided instead to turn that car into fast cash.

It was both fast and simple. I went to Oakland Car Title Loans.  It was a situation of establishing priorities, no two ways of looking at it.  Fortunately, I didn’t have to go to a storefront operation in a dangerous neighborhood or anything.  It’s done through an online application that takes no more than 20 minutes to complete, and there’s money in your checking account the next morning.  It’s a cash title loans company I will go to again if I have to.

- Giselle H.

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.

When I bought my 2002 Cadillac Escalade EXT pickup truck, my girlfriend said she thought it was an extravagance.  But lemme tell you, it turned into an investment that has gotten us through a tight time with money.

Shortly after I bought it, one of her kids got sick and their health insurance didn’t cover it all.  Live and learn.  So that left us with some big bills and bad credit.  Her daughter is ok now, but we’re still paying on that.

Just a few months ago, I had an opportunity to do some light hauling work (in the mountains, where big trucks can’t maneuver) out near Sacramento that pays twice as much as my regular job.  I had vacation time coming, but this would be for somewhere between three and six months – all good money that will help us get back up on our feet financially.  The trouble is, I’d be a subcontractor to a subcontractor, depending on everyone else getting paid before me.  That meant the money might not come for about two months after I started to work – six weeks after my last paycheck.

The family business where I work has been going through a slow period, and I asked my supervisor if I could take a leave of absence for this job.  He thanked me, said yes, in this economy that would help them a lot.  They don’t promise my job will be there when I get back, but they’d give me priority if the work was there.

Still, what would we do while waiting for the pay from the hauling work?  How would we pay our bills for two months?  She works, but it’s not nearly enough.  We have a mortgage, credit cards, truck payments, health insurance, food and old debt. We needed fast cash.

Of course nobody is getting a bank loan in this economy.   The answer was Oakland Car Title Loans.  They have an online application that is simple and fast. Better yet, the money got there by the next morning.  My girlfriend doesn’t question buying that truck anymore – it turned out to be a wise investment in the end.

Welcome to Oakland Car Title Loans!