After commuting for years from my apartment in Lakeview to Deerfield for four years, I was happy to get a job downtown.  But taking the bus and the El were a drag, and I figured out I could bike instead along with the thousands of other bike commuters I saw along the lake and Halsted Street.

The trouble was I needed $1500 for a bike up to that kind of riding (I plan to do this in winter too).  But I declared bankruptcy in 2007.  That means I not only have bad credit, I have toxic credit.  And, no credit cards and no extra cash lying around.  Getting the money for that bike looked challenging.

So I went on the Internet.  I did a search for “auto bad credit loan title” and “no credit check loan” and “fast cash.” That’s how I found Chicago Title Loans. No storefront operation on Clark Street necessary for this – it’s all done online. The online application is idiot-proof — I took only 15 minutes – and I discovered even my 2003 Mazda could get me the $1500 loan, no sweat.  

I bought the bike the next day (money is sent by EFT to your bank account). Two days later, I started biking to work and I haven’t used the CTA for work ever since. In six months of biking, five days a week, I have actually lost 20 pounds.  I even quit my gym because I was losing weight more this way (savings: $70/month).

Never hesitate taking out a loan when it can save you money in the long run.  

– Darryl K.

I thought getting married would make my life a lot simpler.  I knew there is some initial expenses with the engagement ring and of course the wedding itself can be pricey.  My wife also wants a traditional wedding.   I have to expect that - since every woman since they were little girls have been planning/dreaming for their weddings.  I don’t want to just wing it because I know how perfect she wants everything.  It’s actually made life really stressful as of lately.  Now she wants this spectacular flower arrangement.  It sounds neat and I’ve seen the pictures, but how does she expect me to pay for this.  It’s like $800 more out of my savings and, frankly, I don’t have the money.  The budget was made, but this wasn’t in it.  Well she gave me the puppy dog look and I’m going to give in.

I searched online for some financial assistance programs and found out there is a lot of viable solutions.  I don’t like credit cards.  Ever since the credit crisis - I have paid them off and cut them up.  I decided to go with Car title loans in Chicago.  My car is already paid off.  So it would be like picking up the payments again for a few months.  The website was very simple.  They had no credit checks and the online application for car title loans took 2 minutes to fill out.  The money arrived as expected in less than 24 hours.  I was very pleased with the convenience and ease of use.

My husband used to ride with me to work when we both commuted to Deerfield from our house in Wicker Park.  How convenient was that?  Except, he lost that job in late 2007.  

In between then and now, we got bad credit and we burned through our savings and credit cards.  So it was a relief when he found his new job in Naperville.  That only took ten months.

Obviously now we need two cars. But with our financial circumstances, a no credit check loan is all we could swing.  We tried getting a home equity loan, but that’s all tightened up too.

So I went on Google and searched for “fast cash loans”.  That’s where I found Chicago Title Loans.  Turns out that six year old Toyota Highlander is still good for a $5000 loan, a healthy down payment on car Jimmy wanted (a 2004 Dodge Durango — a gas hog, but they’re cheap now).  

Getting the loan was a breeze. This is not a bricks and mortar store on Western Avenue, instead it’s an online application. I took 20 minutes to complete it, and the money was in our bank account in one day.  Three days later Jimmy was driving his new SUV.  An online car title loan is the way to go when you need to buy something fast and don’t have a lot of spare cash. 

- Carla D.

This is turning into the Age of Creative Financing.  With the banks in meltdown, my own finances as well, a guy’s gotta do what a guy’s gotta do.

My short story is this: In the past 12 months, I’ve gotten laid off, got bad credit from unpaid bills, been so short on cash I cut the land line phone.  Then a buddy from Kellogg called asking me to come help him with his business in Boston.  All I had to do was get there and I could live with him and work for a few weeks for good pay. But how did I book a flight with no money, no credit – or drive with a ten year old car all that way and then have nowhere to park it when I get there?  I was too embarrassed to tell him any of this.

When in doubt, go to Google.  I searched online for Fast Cash and found Chicago Title Loans.  The car title loans people said my old Beemer was good for a $4000 loan.  OK.  Next, I found a deal on airfare, about $375.  So I needed that, plus another $400 for getting around money.  I could pull this one off, and I’d come home with a fat paycheck.

The good thing is Chicago Title Loans is nothing like those you see on Western Avenue or Roosevelt Road. There’s no tough Latina you talk with through a plate glass window.  You do it all through an online application. Approvals come through in like five minutes.  My checking account received the EFT the next morning. In two days, I was in Boston, working again.  Paying off that loan was easy.

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

- Oscar P.

I’ve always been a fighter, been boxing since I was about 5. I did the whole Golden Gloves thing, and did pretty well too. More than anything else, it taught me discipline, and kept me in great shape. Plus, learning to throw a straight right has helped me a few times tending bar. Even to this day I’ve got some pretty quick hands.

So back last Thursday I’m hitting the speed bags, just to break a little sweat, when this younger guy wants to spar for a couple of rounds. I’d seen him around, seemed like a guy on the fast track, would probably even get a couple pro fights eventually. I figured, why not. Plus, I needed something to do, because I was having a garbage workout.

The first round goes pretty well, I think that I held my own. Second round starts, and Miko hits me with a cross right to my ribs, boy did that freaking hurt! I signal to him that I’m done sparring, because I think that I broke my ribs, no, in fact I know that I have, because it hurt to breath.

At Resurrection Hospital, all they could do if wrap me up and give me some pain meds. They took the obligatory x-ray, and told me that the first few nights would be tough when I coughed or breathed deep. Oh yeah it was rough, but I’ve been through some broken bones before, and the ribs actually healed faster than I expected.

The bill came about 3 weeks after my little visit, and even though they didn’t do much to help me, other than give me some pain meds, my bill was ridiculous. I didn’t have health insurance, and wasn’t sure how to pay it. When I got my bearings back, I realized that I should just do an auto title loan with Chicago Car Title Loans. They helped me once before, and I knew things would go smoothly. Their online application was easy, and they even set me up with the location closest to my house.

If you’re in a bind for some quick cash, don’t hesitate to go to Chicago Car Title Loans.

Bill K.
Park Ridge, IL

If it was up to me, I’d almost never go to the doctor. It’s my wife who pushes that on me.  But my father died of colon cancer when he was 40, which is why they tell me to get colonoscopies every three to five years.

It’s not as bad as it sounds.  But the cost is what was holding me back.  In the good old days of working in a job with medical insurance, you didn’t even think about it. But the plant in Calumet closed down, and my new job in Lombard doesn’t offer that benefit. Same thing goes for my wife.  We looked at the COBRA plan and it was bigger than our rent.  Because we both were out of jobs last year, we have bad credit and no savings.

Because I read something about colon cancer and the importance of early detection (thank you Charlice for putting that on the kitchen table), I went online to find medical information.  The colonoscopy would cost about $3000.   Since I was sitting at the computer, I went to Yahoo and searched for “Chicago” and “Fast Cash.” That’s when I realized our car could be the ticket.  I was surprised to see my Pontiac was good for $4000 at Chicago Title Loans, a little more than I even needed.  I filled out the online application in about 20 minutes. The approval came through in an hour.  The next day I called my doctor and set up an appointment.

They found six polyps but no cancer.  Now I’m looking for a better job with benefits again.  Title car loans in these circumstances were a real stress reliever (especially for my wife).

- Fontayne G.

I recently joined a band that plays some really cool alternative music.  I play the guitar and they fell in love with me the moment I started.  They are not famous or anything but they are well known and respected around Chicago.  They play only the best clubs and bars and the crowd is always phenomenal.  The only problem is, my guitar is really old and beat up.  They said they would love to have me but I would have to buy a new guitar.  My old guitar just wasn’t going to make it in their band.  I don’t have the money for a new guitar but there is no way I’m passing up the chance to be in this band.  They are so good; I think they could make it big someday.  I wouldn’t be able to live with myself if they made the big times and I wasn’t a part of it. 

My girlfriend told me about a car title loan company that would loan me quick cash so I could get a new guitar.  She said Car Title Loans in Chicago would loan me the money if I used my car as collateral.  My car was paid off so I knew I would qualify for the loan.  I applied online and was approved for the loan.  It was an awesome experience.  Now I’m headed over to Guitar Center.  They have a great selection of guitars there.  I know I’ll find one that’ll sound great for the band.        

Josh K. in Chicago

I changed careers about five years ago to real estate, mostly working in the city and western suburbs.  But with the industry tanking in 2008, I wasn’t making very much money the last two quarters of last year and all of this year.

So, it was time to figure out Reese v. 3.0.  I’m not afraid of new things and really am interested in online marketing, but it would of course take some retraining.

And it’s not like I have a lot of money sitting around to fund that.  I got behind on rent (Lakeview is expensive) and my credit cards and thus became part of the legions who are designated under the title of bad credit. I am working temporary jobs just to keep up with monthly bills, but there is no money left for classes.

So I did a very atypical thing for a real estate agent: I looked at the value of my car. It is an asset with value.  And value can be leveraged. So, my need for fast cash translated into a car title loan. I filled out an online application with Chicago Title Loans.  It’s nothing like going to an auto title loans store in Uptown.

I was able to sign up for classes in a day because the fund transferred electronically.   The bank car title loans solution to my cash flow problem was all about working toward becoming the new me that is ready to burst forth and succeed!

- Reese S.

My parents were old school.  They taught us to never borrow money.  But they never faced a healthcare problem that might have cost them their home.  

That said, if someone told me two years ago I would resort to a car title loan, I would have laughed out loud. But circumstances have changed.

My husband was diagnosed with a serious illness in 2007. He’s doing better now and the doctor said he’ll possibly have a full recovery (it was a stroke and he’s only 37 years old).  He’s a stay-at-home dad now, can’t work, so it was a difficult time for all of us, our three children included.  

I have a good job but my company’s health insurance program has suffered due to the health care problems in our country.  My co-workers and I have had to pay much higher premiums the past several years. But we get reduced benefits and bigger deductibles and co-pays.  Costs to our family rose in two years by more than $450 per month, and that was before anyone got sick.    

About four months after Grigoriev had his stroke, our out-of-pocket costs for the treatment were billed to us at more than $3600. I can assure you, we did not have this cash sitting around the house. We also had used much of our home equity on a new roof and siding for the house (we live in Ukrainian Village downtown).  I looked into a home equity loan, but the bank said no.   So this whole thing hit when we realized we have “bad credit” – which is what happens when you miss a few bills and owe too much on your house. It was starting to look like we might have to sell our house, which would be terrible in this market.  

My car is essential to my job.  We considered selling it, but between my work and the family that would be impossible.  

Instead, we found out our car can be the source of fast cash.  Once I made the decision it was simple. I went to Chicago Title Loans.   It’s all on the computer.  You apply through an online application that takes 20 ro 30 minutes to complete.  The money is in your checking account the next morning.  It’s an online car title loan method I’ll use again if I have to.  

- Iona J.

Chicago Bears season tickets are almost impossible to get, but I finally had the chance to get a pair exactly where I wanted them, but I was a little short on cash. This wasn’t a chance I was willing to give up, because I’m probably number 75,000 on their waiting list. I’m sure even my grand kids would die before they had the chance to buy season tickets.

The couple that I was buying them from gave me only a couple of days to come up with the balance, and I wasn’t sure where to go. Forget the bank, and my credit cards were already maxed out. Seeing how the only thing I owned was my Camry, I did an online search for an online car title loan. Chicago Car Title Loan had an online application that takes two minutes to fill out. Not only was I able to get a call back right away to get my questions answered, but the call sets you up with the location closest to your house. Within 30 minutes I had the money I needed to pay off the balance on my front row seats!

Thank you Chicago Car Title Loans for helping get season tickets to see my Chicago Bears.

-Jerry S.
Harwood Heights, IL