Title loans in Kentucky
In Kentucky, the law allows loans backed by a car title only in limited forms. Read the rules below. Checking whether a lender may be able to help is free and takes about two minutes.
- Once approved, money in as little as 24 hours
- Loan amounts can reach $50,000
- A low credit score may not hold you back
- Do it all from your phone, start to finish
- No cost and no obligation
- Takes about 2 minutes
- All credit types can apply
Prefer to talk it through? Call (817) 618-3159
The rules for title loans in Kentucky
In Kentucky, the law allows loans backed by a car title only in limited forms. Lending there is overseen by the Kentucky Department of Financial Institutions (DFI). These are the main points of state law.
KYKentuckyLimited by state law
- License
No title pledge license exists after the 2024 repeal; vehicle-secured consumer loans require a consumer loan company license under KRS 286.4 from the Kentucky Department of Financial Institutions.
- Rates
Kentucky's title pledge lending subtitle (KRS 286.10-200 to 286.10-285 and 286.10-991) was repealed by 2024 Ky. Acts ch. 152 (HB 726, signed April 9, 2024), so the Title Pledge Lender license no longer exists.
A vehicle-secured consumer loan may still be made by a licensed consumer loan company under KRS 286.4-530 at that statute's rates (3%/2.42%/2.25% per month tiers, up to $15,000), which contemplates certificate-of-title lien fees.
High-cost title pledge/title loan products are not available.
- Fees
If made by a consumer loan licensee: only the charges allowed by KRS 286.4-530, including fees for noting or releasing a lien on a certificate of title.
- The law
2024 Ky. Acts ch. 152 (HB 726), Section 43 (repealing KRS 286.10-200 to 286.10-285 and 286.10-991)
KRS 286.4-530
We wrote this as a plain summary, not legal advice, and last reviewed it in September 2026. Your rate and terms come from your lender, who must stay within Kentucky law.
What to check first in Kentucky
Look past the monthly payment
Three numbers show what a loan really costs: the APR, the finance charge and the total of payments. If an offer doesn't feel right, you can walk away. And there's no fee for paying it off early.
Make sure the lender is licensed
With Kentucky's limits on title loans, take care with any offer you get. Before you sign, look up whether the company is licensed to lend in Kentucky with the Kentucky Department of Financial Institutions (DFI).
Where to report a problem
If you run into trouble with a lender, report it to the Kentucky Department of Financial Institutions (DFI). The Consumer Financial Protection Bureau takes complaints too.
Other help you can get
Not sure a title loan is the answer? Talk to a nonprofit credit counselor about a plan for your bills. Legal aid may offer free advice on debt problems. And 211 can connect you with local programs for food, rent and utility bills.
Four steps, all from your phone
There's no store to visit. You can do every part of it online, wherever you are.
Start your free estimate
Give us the basics: mileage, year, make and model, plus your ZIP code. That's about two minutes of your time, and it's free.
Tip: Have your mileage handy. A newer vehicle with fewer miles tends to qualify for more.
See if your vehicle qualifies
Next, your vehicle's value is worked out from recent market prices. That number is the starting point for what you can borrow.
Upload your documents
Send a photo ID, your vehicle title and proof that you bring in at least $1,500 a month.
Tip: Gather everything before you start. It keeps things moving.
Sign and get your money
Once you're approved, you sign online. Money is sent by wire, check or direct deposit and can arrive in as little as 24 hours.
Disclosure and example of title loan rates & fees
Loan approval depends on meeting the lender's credit criteria, which may include providing acceptable property as collateral. The loan amount, term and Annual Percentage Rate you qualify for may vary. Repayment terms are greater than 90 days and up to 36 months. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. You must be able to demonstrate the ability to repay the loan.
Not every applicant will qualify for the representative examples below, and final rates, terms and fees may vary by lender. If you are offered a loan, you can review the complete offer before accepting it. Providing your information does not guarantee approval. There is no charge to use this website, and Title Loan Hero may receive compensation from lenders and advertisers.
| Number of months | Annual percentage rate The cost of your credit as a yearly rate | Finance charge The dollar amount the credit will cost you | Amount financed The amount of credit provided to you | Monthly payment | Total of payments What you will have paid after all scheduled payments |
|---|---|---|---|---|---|
| 12shortest term | 35.91% | $536.08 | $2,615.00 | $262.59 | $3,151.08 |
| 24 | 35.90% | $1,087.72 | $2,615.00 | $154.28 | $3,702.72 |
| 36longest term | 35.95% | $1,694.56 | $2,615.00 | $119.71 | $4,309.56 |
| 12 monthsshortest term | 24 months | 36 monthslongest term |
|---|---|---|
| Annual percentage rate (APR) | ||
| 35.91% | 35.90% | 35.95% |
| Finance charge | ||
| $536.08 | $1,087.72 | $1,694.56 |
| Amount financed | ||
| $2,615.00 | $2,615.00 | $2,615.00 |
| Monthly payment | ||
| $262.59 | $154.28 | $119.71 |
| Total of payments | ||
| $3,151.08 | $3,702.72 | $4,309.56 |
Disclaimers
- There are no penalties for making additional payments or paying the loan off early.
- APR is calculated assuming all installment periods are of equal length.
- Additional fees: Lien fee of $15.00 is financed.
- Additional fees: Prepaid documentation fee is $75.00 for loans up to $4,999, or 5% for loans of $5,000 or more.
- Lenders may use the FICO scoring method when credit score is a factor in determining creditworthiness.
- Maximum APR: 35.95%
Your free estimate takes about two minutes
It costs nothing, and you don't have to take any offer.