Discover the Convenience of Car Title Loans in Kentucky

Experience the benefits of a car title loan using your own vehicle! Here at LoanCenter, we leverage your car as collateral to help you secure the loan you need. Despite your car being used as security, you’ll be able to retain rightful ownership and continue using it as long as you regularly honor your loan payments. And the best part? Timely payment can enhance your credit bureau score!

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Understanding the Dynamics of Car Title Loans

Unlike conventional credit checks, car title loan eligibility doesn’t heavily rely on your credit history. Even if your credit score is less than ideal, the value of your automobile, proof of income, and demonstrable repayment abilities are key qualifications for a car title loan.

Here’s how it works:

We assess your vehicle’s worth to calculate a loan amount.

Your car serves as collateral, securing your loan.

Regular loan payments allow you to continue driving your car whilst potentially improving your credit score!

What Is a Car Title Loan?

Demystifying the Car Title Loan Process

Typically, other loans will require a thorough evaluation of your credit score, financial history, outstanding loans, and employment details to gauge your creditworthiness. But car title loans operate with a unique rationale: they offer you a cash sum to spend as you please, with your vehicle’s value playing a pivotal role in determining your borrowing limit.

Benefits of a LoanCenter Title Loan

Why Choose a LoanCenter Title Loan in Kentucky?

At LoanCenter, our dedication to understanding the individual profiles of our borrowers sets us apart. With a primary focus on the vehicle as collateral, our car title loans are accessible to borrowers with diverse credit scores.

  • Fast, streamlined application process.
  • Rapid cash access.
  • Competitive interest rates, often lower than our competitors.

Whether you’re experiencing a financial pinch or simply need extra cash for leisure, LoanCenter remains a trustworthy lender in Kentucky, ready to help you navigate your finances. Reach out to us and explore how our top-notch service can benefit you.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

How to Expedite Your Cash Approval

For swift loan approval:

  • Provide accurate and comprehensive documents about your vehicle.
  • Ensure all necessary documents are submitted along with your application.
  • Get ready with your identification proof, vehicle’s title, and proof of income.

Quick tip: The more accurate and complete your submitted information, the faster you’ll be able to qualify for a larger loan amount. Once we’ve received your documents, a dedicated loan officer will contact you. You can also call us at (866) 553-3840 to find out how much you qualify for. If you’re happy with the potential loan amount and wish to proceed, our representatives will guide you through the remaining paperwork. Get in touch with a LoanCenter representative to get informed about necessary documents and get a head start on your car title loan application process. Expedite your loan application by being ready with these documents and allow our team to swiftly process and approve your car title loan!

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Kentucky Loan FAQs

What are Kentucky title loans?

Kentucky title loans are a type of fast cash, short-term loan in which the borrower’s vehicle title is used as collateral. Generally, borrowers must own their vehicle outright, and the amount of loan is based on the vehicle’s worth.

Where can I get a title loan in Kentucky?

There are numerous lenders offering title loans in Kentucky. Some operate from physical stores, while others offer online services. Always do your research to ensure you’re dealing with a reputable and legal provider.

What are the requirements for a title loan in Kentucky?

Requirements may vary by lender, but most require a lien-free car title, government-issued ID, proof of income, proof of residency, and sometimes a set of spare keys.

What is the maximum amount I can borrow with a title loan in Kentucky?

The maximum amount is often based on the value of your vehicle and your ability to repay. However, it can be up to $25,000, depending on the lender’s policies.

Are title loans legal in Kentucky?

Yes, title loans are legal in Kentucky according to the Kentucky Revised Statute 286.9-010.

What happens if I can’t repay my title loan in Kentucky?

If you fail to repay your loan on time, the lender may repossess your vehicle and sell it to recover the debt.

How quickly can I get a title loan in Kentucky?

You can typically get a title loan in Kentucky within 24-48 hours. The length of the process depends on the lender and your preparedness with necessary documents.

Will I lose my car if I get a title loan?

You can continue using your car while making payments on your title loan. But, if you default, the lender has the right to repossess and sell the vehicle.

Do I need good credit for a title loan in Kentucky?

No. Title loans are secured loans, so they don’t require a good credit score. Lenders more so consider the value of your car and your ability to repay.

Can I get a title loan online in Kentucky?

Yes, some lenders offer online title loans. You complete the application process online, but you may need to bring the car for inspection.

How many title loans can I have at one time in Kentucky?

Typically, you can only have one title loan at a time per vehicle in Kentucky.

Are there alternatives to title loans in Kentucky?

Yes, there are alternatives like personal loans, payday loans, or asking for help from friends and family.

Can I refinance my title loan in Kentucky?

Yes, some lenders allow you to refinance your title loan if you’re struggling with repayments, potentially offering lower interest rates or more manageable payment plans.

Can I get a title loan without a job in Kentucky?

It’s possible. Some lenders only require proof of income, but it doesn’t necessarily have to come from employment.

How old do I need to be to get a title loan in Kentucky?

You must be at least 18 years old to get a title loan in Kentucky.

How do I choose the best title loan company in Kentucky?

Research and compare several lenders in terms of their rates, terms, feedback from past clients and check their accreditation.

What are the typical interest rates on a title loan in Kentucky?

Interest rates can differ greatly, but they can be quite high. It’s important to understand all the costs involved before agreeing to a loan.

Can a title loan affect my credit score?

A title loan itself won’t improve your credit, but if you fail to repay and the lender reports this to the credit bureaus, it can negatively impact your score.

Can I pay off my title loan early in Kentucky?

Many title loan companies allow early payment without any prepayment penalties, but others do not. Be sure to ask your lender about their policy.

Can I get a title loan in Kentucky with an out-of-state title?

Policies may vary between lenders, but some lenders are willing to provide title loans to customers with an out-of-state title.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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