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Restricted in Kentucky

Title loans are restricted in Kentucky

Kentucky law limits title loans, and there is no request form for them here. Here are other options and free help in Kentucky.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the Kentucky guide

Why this is not available

Kentucky allows title loans only in limited forms or under restrictions that lenders in our partner's network do not currently serve. Read the law: 2024 Ky. Acts ch. 152, Section 43; KRS 286.4-530. Regulator: Kentucky Department of Financial Institutions (DFI).

Title loans in Kentucky
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4] RestrictedHigh-cost loan 36% APR Not set by statute Not set by statute No title pledge license exists after the 2024 repeal 2024 Ky. Acts ch. 152, Section 43; KRS 286.4-530
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

Other options in Kentucky

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Kentucky.

Other loan types allowed in Kentucky

See every loan type Kentucky law allows.

Title loans in nearby states

Sources

  1. apps.legislature.ky.gov/recorddocuments/bill/24RS/hb726/bill.pdf. Retrieved September 23, 2026.
  2. apps.legislature.ky.gov/RECORD/24rs/hb726.html. Retrieved September 23, 2026.
  3. apps.legislature.ky.gov. 2024 Ky. Acts ch. 152, Section 43. Retrieved September 23, 2026.
  4. kfi.ky.gov. Kentucky Department of Financial Institutions (DFI). Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Kentucky. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Kentucky? Contact the Kentucky Department of Financial Institutions (DFI) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.