My water heater is on its last legs just when I have lost my job and am already gotten behind in my bills. With bad credit, where will I find the fast cash to buy a new one?

Complicating things, I had hoped to buy a tankless water heater, the energy- and water-efficient models that instantly heat your water on demand.  They take up less space, save 34% of energy costs with every monthly bill and save about six gallons a day on water use (you don’t have to run the tap so long waiting for the hot temp water to arrive).  If I install it in 2009, I get a federal tax credit of $300.  Our local hardware store is offering these heaters now in a pre-purchase sale.  You sign the contract with a $300 down payment today, you get the water heater at 15% off and the tax credit next year.

I hate missing out on deals like this, especially since it will pay me back over time.  So I went to Houston Car Title Loans for a simple $900 against the title on my old 1999 Honda.  The online application allowed me to avoid going to that storefront car title place on Bellaire Boulevard here in Houston.  It was a 20 minute investment of time and I got the loan the next day in my checking account.

An automobile title loan in the right place and right time can translate into major home energy improvement savings – even for me, a guy with no job and nowhere else to borrow from.

I was recently rushed to St. Joseph Hospital via ambulance.  I didn’t know what was wrong with me but I had a terrible pain in my side.  The ambulance ride was horrible.  Every little bump we hit, it felt like my gut was going to split open.  Once we were there, doctors were running test after test.  It took them so long to figure out what was going on that they finally knocked me out.  When I woke up, I was still in pain but heavily sedated by drugs.  I asked them what was going on and they told me I went into kidney failure.  It was hard for me to comprehend this considering I’m only 25 years old.  I thought I didn’t have to worry about any major health problems until I was at least 50.  They told me I would need to have emergency surgery that day.  This was so upsetting to me because I didn’t have the money to pay a huge bill like this.  I don’t have health insurance.  I was naive thinking something like this would never happen to me at my age.  I needed to come up with a large amount of cash to pay this bill.  I needed some financial help.

I was on the Internet one evening looking to see if I could find some fast cash.  I came across Houston Car Title Loans and saw that by filling out an online application, I would know in 10 minutes whether I’d been approved or not.  I figured I had nothing to lose by giving it a try.  They required that I fully own my car to qualify for the loan.  I have a paid off truck that is worth a lot of money.  I got the loan quickly and was so happy to have the money transferred to my bank account.  I will never take my health for granted like this ever again.

Tyler W. in Houston

My father, grandmother and aunt all died of colon cancer.  My sister caught it at stage 3, has been ill for four years now.  They had to declare bankruptcy because of all the medical bills.

So all immediate family members are supposed to get frequent colonoscopies, at least every three years.  When I worked at my job in Galena Park, that was no problem.  They gave us great health insurance, and my out-of-pocket costs were only $200.  But since the layoff in 2006 I’ve been been taking temp work with no insurance.  I was supposed to get my colonoscopy in 2007, but couldn’t afford the full $2700 cost.

With a smaller income I have gotten buried in bills and now have bad credit.  I’ve even had trouble paying my landlord a few months and considered moving away from Magnolia Park.  So $2700 looks impossible.

But I was worried (stomach aches make you think you have it), so I went online and found Houston Car Title Loans.  I found out my Ford Truck is good for a $4000 loan — enough to cover the hospital and doctor fees. The loan is all done on the Internet — you fill out an online application, they send you an email saying you’re approved that day, and the money is sent electronically to your checking account.  It’s fast cash, which is good when you’re worried about something.

They found a few polyps but I don’t have cancer.  What surprised me is I feel more energized about job hunting.  I highly recommend getting title loans if you’re worried but can’t afford to see a doctor.

– Lester M.