When I adopted two children from Nicaragua as a single mother, I knew it would be both challenging and rewarding to be a mother.  But I have a solid career and make a good, middle class income.  That’s why what I did was as much a surprise to me and my friends and family. 

My shocking act?  I borrowed money by using my car title as collateral.  And under similar circumstances in the future, I would do it again.

It began when my daughter was in a car accident.  She required hospitalization at Scottish Rite Hospital for Children, four operations, several months of physical therapy and to manage pain and infection, a cocktail of medications. She just celebrated her fourth birthday last week.  

We have health insurance coverage at my job.  It’s with a name company.  It’s a program I’ve paid into for more than five years. Our premiums have gone up a lot in the past five years, and employees now pay a greater percentage of those premiums. My own monthly premium costs rose by $300 in the last three years.   

But it wasn’t enough.  I had to argue with the insurance company for several things, including some costs related to the emergency room.  We had to halt physical therapy for eight weeks because it wasn’t covered.  My out-of-pocket costs came in at $3000. I had to hire a specialized babysitter so I could continue working, which cost even more money. I couldn’t pay my bills, so ended up with bad credit.  I couldn’t get a bank loan, or an extension from my credit card companies or my mortgage bank.

But I own my car, and decided to investigate car title loans. It became a way to buy time and work out a plan – and get fast cash for more physical therapy for my daughter.  She is truly walking better because of that car title loan, and probably will walk better later in life because of it.

Dallas Car Title Loans was the company I went to.   It’s all online, where you spend about 15 minutes on the online application. The money is in your checking account in one day. For anyone else in this situation, get fast auto title loans for whatever you need to do to take care of your family.  

- Beatrice C.

I bought a Chevy pickup because everyone in my family is always asking me to move things.  Just because I was a tackle at Texas A&M twenty years ago this seems to be a foregone conclusion.  A chest of drawers here, a refrigerator there earned me a position of honor in my wife’s family, so that made it worthwhile.

But bad things happen to good people, they say.  First it was some hospital charges (BIG ones) that our insurance didn’t cover – which gradually threw us into a poor credit rating. Next it was my job in Plano – phased out due to offshore outsourcing.  Then came bad weather throughout the south – tornadoes, hurricanes and floods, starting in February and still happening. 

But the natural disasters actually turned into an opportunity for me (I say this with apologies to the people directly affected).  Just about a two months after I became unemployed, I heard about work I could get in areas going through storm rescue and recovery.  They need pickup trucks to haul working appliances and salvageable furniture to storage, work that doesn’t make sense for bigger trucks.  That’s work I can do, and I had a buddy who had a business doing that.

The problem is the work pays well, but there’s a lag time until you get paid.  You’re waiting on insurance claims, and then getting paid by your boss who is a subcontractor himself.  So sometimes you work up to ten weeks before you see the money.  In the end it’s good work and worth the time and travel.   But with my bad credit and bills piling up, I worried how we’d get by (my wife doesn’t work).

I found my own rescue through Dallas Car Title Loans.  They have an online application form that takes about 20 minutes to complete.  With a truck title loan company, there is no credit check.  So it’s fast — fast enough to cover my financial responsibilities at home while I’m working hundreds of miles away.

Despite high gas prices, anyone who lives in the Dallas area knows a woman’s car is her lifeline for managing a job and a family.  I live nearby in Grand Prairie, and worked for the same company for six years just a few miles from my house. I always loved this car, even with its few problems. It didn’t require a lot of maintenance.  Until.

About six months ago my company shut down (our competition outsourced overseas and beat us). Welcome to the new economy.  I’m good at what I do, but my skill set is specialized, so getting a new job down here wasn’t likely.  But I found a new job in about four months.  The trouble was is it is in Garland – about a 28 or 30 mile drive, give or take whether you take 75 north or 30 east (believe me, I listen to the traffic report now).  Adding a commute to my day caused its own problems, especially with the kids.  But this hit right when my car needed about $2000 in repair work.  Coming off a few months of no income, my credit cards were at their limits – I was a poster child for bad credit, despite years of managing it well.

That’s when I turned to Dallas Car Title Loans. Which made sense: I could use my car’s value to finance the car repairs. It couldn’t have been easier to do, and I didn’t have to go to some storefront operation.  I went to their online application, filled it out in 20 minutes. By the next morning I had the fast cash to pay for the repairs.  By working with auto money title loans, I was able to get working again.  A girl’s gotta do what a girl’s gotta do to keep life perking along.

Welcome to Dallas Car Title Loans!