Car Title Loans in Kentucky2026 Guide
Kentucky prohibits high-interest title loans.
Legal Status & Regulations
Governing Law
Ky. Rev. Stat. § 286.4-410
Last Reviewed: April 2026
Law Summary
Kentucky prohibits high-interest title lending through its small loan laws (Ky. Rev. Stat. § 286.4). The state enforces strict interest rate caps on consumer loans, typically limiting APRs to 36% or lower for small loans. This regulatory environment prevents the operation of traditional high-APR title lenders, ensuring that vehicle-secured loans remain within affordable limits for Kentucky residents.
Real Rate Example in Kentucky
A $1,500 loan in Kentucky at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
KY Dept. of Financial Institutions