I go to school at Chemkta Community College and work near the Salem Golf Club.  I try to schedule my work so I have an hour between my last class and my first appointment.  About six months ago that got harder because that hour is at 5 p.m., putting me into the middle of rush hour and wishing I were on a bike. 

So when gas prices went so high this spring, I felt it was time.  I had my eyes on a $1200 hybrid. But I had declared bankruptcy in 2007, so my bad credit combined with no spare cash and no credit cards made that hard to swing. But I felt it was necessary for me to have this alternative form of transportation and exercise – in the long run, I knew I would save on gas and repair work to the car.

I Googled for “fast cash” and “student loans” and “instant car title loans.” That’s how I found Car Title Loans in Salem. The online application was easy — took only 15 minutes to complete, and I discovered even my 2000 Chrysler Concorde was worth a $1800 loan.  I bought the bike the next day and began my bike commute the following week. In five months of biking, five days a week, I have amazing legs, lost about 15 pounds and I’ve saved more than $400 in gas.

After wasting a year thinking about it, I wish I had done that right away.  It was the reason such loans exist – to buy something necessary, where no credit check could get in the way.

– Kendall L.