Title Loan Data for Georgetown, KY
$3,632
Average Loan Amount
$634–$14,079
Loan Range
2015
Average Vehicle Year
96
Loans Funded
Based on 96 loans in Georgetown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Kentucky regulations.
Actual Title Loans Funded in Georgetown, KY
Actual loan amounts vary based on vehicle condition, mileage, and Kentucky regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2015 | Ford | F150 | 280,000 | $1,979 |
| 2008 | Hummer | H3 | 153,000 | $1,979 |
| 2014 | Toyota | RAV4 | 110,000 | $3,300 |
| 2016 | Kia | Optima | 111,655 | $1,678 |
| 2000 | Honda | Civic | 230,157 | $1,102 |
| 2017 | Ford | Explorer | 128,000 | $3,000 |
| 2019 | Chrysler | Pacifica | 58,000 | $2,304 |
| 2023 | Hyundai | Palisade | 1,200 | $10,578 |
| 2015 | Buick | Regal | 149,000 | $2,300 |
| 2012 | Nissan | Titan | 159,000 | $2,120 |
Average Title Loan by Most Common Vehicles in Georgetown, KY
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $10,665 | $4,031 | 15 |
| Ford | $9,473 | $3,432 | 14 |
| Toyota | $9,056 | $4,176 | 9 |
| Nissan | $8,075 | $2,542 | 7 |
| Honda | $12,267 | $4,052 | 6 |
Based on 96 loans in Georgetown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Kentucky regulations.
Did You Know? Georgetown by the Numbers
What Georgetown Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Dental Emergencies |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 96 borrowers in Georgetown from 2024–2025.
Unemployment Rate in Georgetown, Kentucky
4.2% of Georgetown residents are currently unemployed, compared to the Kentucky state average of 5.6%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Georgetown, Kentucky
The median household income in Georgetown is $80,088. About 12.1% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations in Kentucky
- Interest rate cap: Tiered: 3% per month up to $5,000 (36% APR), 2.42% per month $5,001-$10,000 (~29% APR), 2.25% per month $10,001-$15,000 (27% APR)
- Loan range: Up to $15,000 maximum
- Repayment term: Monthly installment payments
- Regulated by: Kentucky Department of Financial Institutions (DFI)
What a Title Loan Costs in Kentucky
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 36% | $206 | $1,206 |
| $3,500 | 12 months | 29.04% | $501 | $4,001 |
| $7,500 | 12 months | 29.04% | $1,073 | $8,573 |
| $12,000 | 12 months | 27% | $1,415 | $13,415 |
Kentucky uses a tiered rate structure under KRS 286.4-530. The APR shown reflects the applicable tier for each loan amount. Your actual rate depends on your specific loan amount and agreement.
📖 Governing law: Kentucky Consumer Loan Companies Act (KRS Chapter 286, Subtitle 4); Note: Title Pledge Lending (KRS 286.10) was repealed by HB 726 in 2024
See all Kentucky title loan rules and consumer protections on our Kentucky title loans page.
Title Loan Questions for Georgetown, KY Residents
Yes. You keep and drive your car throughout the entire loan term.
A credit check may occur, but it is not the deciding factor. Title loans are secured by your vehicle, so approval is based on your car’s market value and income over credit history. A low score does not automatically disqualify you.
Title loans can be faster and more accessible than bank loans for borrowers with poor credit. Banks typically require strong credit profiles and longer processing. A title loan decision is based on your car’s value and income, not your credit score. That said, title loans generally carry higher costs and your vehicle is at risk if you default.
Kentucky title loans cost more than most conventional loans. Banks and credit unions typically offer personal loans at lower rates. Review the full APR and all fees in your written loan contract before signing.
Older and high-mileage vehicles can still qualify for a title loan, though the loan amount will reflect the lower market value. Condition matters as much as age. A well-maintained vehicle with 150,000 miles may qualify for more than a newer car with significant mechanical issues.
With a title loan, your vehicle secures the loan. The amount is based on your car’s value and your ability to repay, usually up to about 50% of market value. A lien is placed through the Kentucky DMV and the title is held while you keep driving. Your title is returned when the balance is paid in full.
No, there is no prepayment penalty on Kentucky title loans. You can settle your balance at any time. Paying off early reduces the total interest and fees you pay over the life of the loan.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
