I think Christmas time is my favorite time of year, but the thing I hate about it is shopping. That’s why I always do my holiday shopping before the holiday season really starts, so that way I can just sit back and watch the chaos of Christmas shopping, instead of having to be a part of it.

I was a little low on funds last week, and I won’t see another paycheck till about Thanksgiving time - and that’s when all the madness begins. I needed to find a way to get some money in my hands before then. I jumped on the Internet and searched a little bit, and I found Car Title Loans in San Jose. They had such a low interest rate - 5.9% - that I stopped looking elsewhere. They definitely got my attention with that. They saved me from hundreds of dollars in misery! If I had went through anyone else, I know I’d be paying so much in interest that it wouldn’t even be worth getting a loan, you know?

They also have an online application, fast approval, and I got the money the very next day. As I’m sitting here typing this, I’m already done with my Christmas shopping and I’m happy about it. I don’t feel like I just screwed myself because I needed money right away - I feel exactly how one should feel, like I got the money I needed and I’ll pay back what I took out, and not double what I took out. Thank God I found these guys, and I’ll go back the next time I need some fast cash.

Robert B. of San Jose

By the way San Jose is near Sunnyvale, Campbell, Milpitas, Cupertino, and Mountain View.

I had a decent job, I really did. It was enough for me to pay the rent, the bills, the groceries, and have gas in my car. I was doing okay. Too bad the economy is going the way it is right now, because I lost my job. They just couldn’t afford to have me on board anymore. It sucks, but hey, that’s life. Sometimes things just happen. I really didn’t know what I was going to do, and I started to worry.

I called home to my Mom, and she didn’t have any extra money to spare. She did offer me a place to stay, but that is the LAST place I want to end up again - in Mom’s basement. I’m sure you guys can understand that. I needed an answer. I was talking to one of my buddies and he told me about a time when he needed money and he got a car title loan. He didn’t remember the company of the website, so I had to find that out myself.

I searched the Internet and found the site for Car Title Loans in San Jose, and there it was. I have bad credit, and it didn’t matter! I filled out the online application and they even had someone there to assist me the entire way. I got approved quickly, and I had the money the next day! I was able to survive until I found a new job, and now I’m living good again. Thank God I found them, or else I would have had to move back to my Mom’s place - which would have been okay, but definitely not cool.

Andy D of San Jose

By the way San Jose is near Sunnyvale, Campbell, Milpitas, Cupertino, and Mountain View.

My wife was shipped out to the Middle East this past February. Next, I had a stroke a month later, I lost my job and the health insurance with it.  The bills got too big so now we have no working credit cards.

When it rains it pours, right?  At least I can spend more time with the kids instead of them being at day care all day.

With Christmas on the way, there is one big question: Where will we get the money? A few weeks ago I saw an auto title loan store in Santa Clara and thought about the Jeep, paid for in full since 2004.  I never went to one of those stores, but it gave me an idea. I searched online for “vehicle title loans.” I figured it was my best collateral given the circumstances.

I went with Car Title Loans in San Jose. They make it easy, with an online application and no credit checks. I completed it in fifteen minutes and got the money in one day — that’s fast cash, a lot faster than my old health insurance company.  I took only $200 – all we need for a nice dinner, some gifts for the kids and their mommy, and maybe a driving trip to Lake Tahoe to visit some cousins.     

- Hector D.

My two daughters moved back to Puerto Rico in 2006 to be with my parents. I can’t believe it’s been more than two years and I’ve not seen any of them. They’ve invited me to come out for a visit for Christmas. Of course I want to go very badly.

But airfares at that time are so expensive – more than $800. Earlier in December the fares are much cheaper, but Christmas week is my only paid vacation time.

We have bad credit and no credit cards, and because of some medical problems with my husband the last few months, I didn’t know how I could do it.

I often drove by the car title loans store in Sunnyvale on el Camino, but I couldn’t bring myself to going in there.  But a car title loan online helps me feel I’ve shopped for the best deal.

So next I searched on the Internet for “car title loan no credit” and “fast cash” and I found Car Title Loans in San Jose.  I liked what they had to offer. They said my old Oldsmobile was good enough for that $800.  Just enough for my plane ticket. 

The online application was very simple and only took about 20 minutes. The money was in my bank account the next day.  Two days later, those fares all went up almost $150 more.

When it comes to booking flights for Christmas, you must do it quickly.  The good and cheaper seats go fast.

- Rosaria G.

My father told me marriage isn’t a bed of roses, and he was right.  After just two years, I told my wife I was moving out. But when I started looking at apartments (I found one in Santa Clara, not far from my job at the Mineta San Jose Airport), I realized I had a security deposit problem.

The landlord requires a security deposit of two month’s rent.  I was pretty sure I could afford the $850 each month, but to come up with another $1700 at the lease signing was seemingly impossible.  In those two years, we both didn’t handle our money well.  Our credit cards were maxed and we couldn’t make the monthly payments.  Twice we got behind in the rent.  I had bad credit and that doesn’t help anything.

So I went on the Internet.   I searched “money from nothing,” “fast cash” and “get title loan” and found Car Title Loans in San Jose.  My Saturn is paid for, so it was good for more than what I needed.  I filled out an online application so I could avoid those car title places on el Camino Real. You might find this funny, but I wouldn’t want to be seen in a place like that.  I had my money in a day and signed the lease that afternoon.

- Skeeter Z.

I was recently summoned for jury duty.  When I let my job know that I would be out of work for a little bit, they were terrible to me.  They said that since I had only been with the company three months they wouldn’t pay me for the time I needed to be off.  They also made it clear in so many words that they were not happy I would be taking time off.  I’m thinking, since when has jury duty been considered time off?  I couldn’t believe it but there wasn’t much I could do about it. 

I ended up being selected for a jury.  There was just no way out of it.  I answered every question they asked me truthfully.  The trial lasted two weeks.  I never anticipated being out of work for that long.  I never get picked for anything and when I do it costs me two weeks of pay.  This would take a financial toll on me.  I need to figure out a way to replenish the money I lost while at jury duty.   I won’t be able to pay my rent if I don’t have it.

I called my friend to see if she could help me come up with a solution to get the fast cash I needed.  She was looking around on the Internet and found Car Title Loans in San Jose.  She gave me the website and I checked it out my self.  It said if I owned a car, I could easily qualify for a loan.  I filled out the easy online application and they got right back to me with an answer.  I was approved.  They were so easy to deal with.  If anyone out there is looking for a great loan I would suggest going to Car Title Loans in San Jose.

Ashley O. in San Jose

I think the two biggest fears of someone in middle age is to either die before your time or live broke.  Well, actually to die broke and leave a family behind in bankruptcy is perhaps worse.

The genes for colon cancer run in my family. I should get a colonoscopy once every 3-5 years, and it would make economic sense to do so.  Because I have no health insurance, if I were to get sick it would cost tens of thousands of dollars to treat – way beyond my means at this point.  The trouble is, the common diagnostic, a colonoscopy, would cost me close to $3000, something I can’t afford right now either.  But it’s a real situation of an ounce of prevention being worth a pound of cure.

When I worked for Stanford in Palo Alto I had great medical insurance.  But I left there in 2006 because my job was eliminated, now I work part time in three different jobs.  None of them provide medical insurance.  I was due to get my colonoscopy early this year, but didn’t feel I could afford the $3000.

Also, I have bad credit.  When I think of finding fast cash, I look around my garage in Santa Clara to see what I might sell on Craigslist.

But one day I surfed around and found Car Title Loans in San Jose.  When they said my six year old Subaru is good for a $5000 loan, I said, “this is for the colonoscopy.”  The company processes everything on the Internet — you complete an online application, in about ten minutes, then you get an email with the approval within hours.  The money is sent by electronic funds transfer to your checking account the next day.  

I scheduled the scope for a few weeks later and thankfully there were only two polyps, both non-cancerous.  I now have no fear of dying early or bankruptcy because I was willing to collateralize my Subaru with a cash title loans company.  

– Othello P.

I love two things in life.  One is a great car (mine is my Mini Cooper), the other is great appliances.

But I’m not Steve Jobs’ love child.  I work in tech, but with all the ups and downs and moves and a crappy ex-husband and several crappy ex-boyfriends, my house in Fruitdale had BAD appliances and I had BAD credit. Every time I opened the loose door on that 1975 harvest gold refrigerator, I thought about Malibu Ken (the ex-husband).  

At the very least I wanted a new refrigerator, one that saved on electricity. I could save money and get some “green peace of mind” with a newer one. But the model I had my eyes on is about $1800 (never question a girl with good but expensive taste).  But again, I was short on cash (oh, and did I mention the guy I’m dating … in Alaska?).  

But I was online one day and read that developers near Cupertino were selling off never-used appliances from unsold condos for half the retail price.  Brand new, never used, $725 on a model that would retail for $1500.  Warranty included.  But you had to act fast: buy the following day or they would go to auction.  I needed fast cash.  

I own the Mini free and clear, so I went to Car Title Loans in San Jose, where they told me I could get up to $7,000 in a title loan.  All I needed was $725, so I filled out the online application.  The cash landed in my checking account the next morning, so I was able to get the dishwasher. (The application takes about 20 minutes, and you get approved right away.)

It is gorgeous and quiet and I’m saving money on electricity and even am cooking more at home (when I’m not up in Anchorage).  All around, a great deal.

The car title loans/no credit check was the answer to my needs.  So where do I find a boyfriend who is as good a deal?

- Giselle H.

I started bicycling a lot more this year because of the gas price crisis.  But oddly, it’s our car that has a lot to do with health in our family.

My wife developed a chronic illness in March.  We’re grateful there are medications to take care of it, but I am self employed and am insured on her company’s health plan.  But her company was shifting it’s insurance costs onto employees, which basically mean much bigger insurance premiums with reduced benefits.  When she got sick, and we realized her co-pay on meds was basically $1000 for the first month.  Add to that, my work has slowed down since 2007, so we were living near our credit limit and were categorized as “bad credit.”  Bottom line: these circumstances threw our finances into a whole new dimension.

I work at home, where we live near San Jose State University.  Her job is in Cupertino, so getting rid of the car, a major expense for us, hardly seemed possible.  So I got to thinking, how do I turn this asset into cash?

A friend suggested we go to Car Title Loans in San Jose for some fast cash.  Our old, trusty Corolla was our collateral, which makes sense because the blue book value on Toyotas holds up better than other models.  We borrowed money against it to cover those first few months of expensive treatments and related expenses.  I honestly think the emotional burden that was lifted with that has helped my wife get healthier.  I was relieved I didn’t have to go to a dicey storefront in an unfamiliar neighborhood.  Just as good, they have an online application that takes about 20 minutes.  It’s definitely the automobile title loan company I would go to again under similar circumstances.

-Abel B.