Title Loan Data for Louisville, KY
$3,441
Average Loan Amount
$835–$9,937
Loan Range
2015
Average Vehicle Year
12
Loans Funded
Based on 12 loans in Louisville 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 Louisville, KY
Actual loan amounts vary based on vehicle condition, mileage, and Kentucky regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2011 | Toyota | Camry | 149,945 | $1,500 |
| 2016 | Toyota | RAV4 | 178,000 | $3,500 |
| 2020 | Chevrolet | Silverado 1500 | 62,000 | $9,937 |
| 2014 | Ford | F150 | 150,000 | $4,922 |
| 2013 | Ford | Explorer | 160,000 | $2,497 |
| 2013 | Kia | Sportage | 137,000 | $2,550 |
| 2014 | Harley-Davidson | FLHRSE CVO Road King | 37,000 | $2,000 |
| 2004 | Chevrolet | Corvette | 40,000 | $835 |
| 2015 | Chrysler | Town & Country | 151,527 | $4,250 |
| 2023 | Volkswagen | Taos | 8,232 | $5,000 |
Average Title Loan by Most Common Vehicles in Louisville, KY
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $8,444 | $2,931 | 4 |
| Toyota | $6,240 | $2,500 | 2 |
| Chevrolet | $21,048 | $5,386 | 2 |
| Volkswagen | $20,075 | $5,000 | 1 |
| Harley-Davidson | $9,385 | $2,000 | 1 |
Based on 12 loans in Louisville 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? Louisville by the Numbers
What Louisville Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Dental Emergencies |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 12 borrowers in Louisville from 2024–2025.
Unemployment Rate in Louisville, Kentucky
5.5% of Louisville 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 Louisville, Kentucky
The median household income in Louisville is $66,849. About 15.8% 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 Louisville, KY Residents
You must have a valid Kentucky certificate of title to complete a title loan. If yours is lost, apply for a replacement through the Kentucky DMV at drive.ky.gov. Visit a DMV customer service center in person if you need the replacement quickly, as in-person processing is typically faster than mail.
Yes, you can get a title loan in Louisville with bad credit. Title loans are designed for borrowers with poor or limited credit history. Approval is based primarily on your vehicle’s value and your ability to repay, not your credit score.
To apply for a car title loan in Louisville, you will need:
• Your car title in your name (paid off)
• A government-issued photo ID
• Proof of income
• Proof of Kentucky residency
• Your Social Security number
Your credit score is not the deciding factor. Approval is based on your vehicle’s value and your ability to make payments.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
Proof of income is required for title loans in Louisville. However, it does not have to be a pay stub. Income must be verified under Kentucky law, but accepted forms include bank statements, benefit letters, and other records showing regular incoming funds.
How much you can borrow in Louisville mainly depends on your car’s current market value and your income. Most borrowers qualify for up to about 50% of their vehicle’s value, depending on the car and their ability to repay. You can apply online to get a free estimate and see how much your car may qualify for.
If you default on your title loan in Louisville, the vehicle may be repossessed. Kentucky law requires certain steps to be followed before selling the vehicle. If the car is sold for more than the amount you owe, the remaining balance is typically returned to you. Contact your lender as soon as possible if you think you may have trouble making a payment.
