“Many people will find it mind boggling how difficult it is to borrow money from banks these days.  They look for an impeccable credit rating, mortgage equity and job security.  If you don’t have one of these you can pretty much kiss your chances for a loan goodbye.  Well that was until I found out about car title loans in the Houston metro area.  Thank goodness I did,  my options for borrowing money were non existent.  I received some marks on my credit rating from a cell phone company that charged me almost a thousand dollars for overcharges and a gym membership that refused to break my contract because they said I effectively couldn’t.  So that is why my credit not so good, but thank god for car title loans because I don’t need credit to get a loan”