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Inquiring About Title Loan Funds in Kentucky Can Be Easy and Quick

Times are tough for many Kentucky residents. The rise of inflation means life costs more money, but many paychecks haven’t increased. It can be difficult to make ends meet, especially if a financial emergency pops up that you weren’t expecting. If you have a rocky financial history, applying for traditional bank loans can be challenging, leaving many people to think they have no options. It’s not always comfortable to ask family or friends to borrow money!

However, you do have access to an option! You can inquire about auto title loans online in Kentucky to potentially receive access to funding within 24 hours1. The process is simple, straightforward, and you can get started online from the comfort of your home. Learn why inquiring about ChoiceCash title loans serviced by LoanMart could help you quickly gain access to funding when you need it most! Begin today by filling out this inquiry form or calling 855-422-7402.

Advantages to Getting a Car Title Loan in Kentucky

Compared to traditional unsecured loans, there are plenty of advantages to inquiring about car title financing! The process is quick, flexible, and may be available to people from various financial backgrounds1. Below are some benefits of choosing a ChoiceCash title loan serviced by LoanMart in Kentucky1!

Online Process:

One of the most significant advantages to inquiring about a ChoiceCash title loan serviced by LoanMart is that you can begin the process online from the comfort of your home! You no longer have to find a location in your area and waste time waiting to speak with a loan agent– you can begin your application anywhere you have internet access1. The title loan process may be quicker and more convenient than other financing options1!

Bad Credit May Not Be a Problem1:

Traditional banks or credit unions may not approve a person with a less-than-perfect credit score because they are deemed too risky. If they are approved, they may get funding with high-interest rates or hidden fees attached. With a ChoiceCash title loan serviced by LoanMart, borrowers with bad credit can still inquire about financing1! Your credit score will be considered during the inquiry process, but it is not the main focus during approval.

Keep Driving Your Vehicle:

Many Americans depend on their vehicles for daily transportation to and from work or school. Losing your car can cause lots of stress and inconvenience in your life! A nice benefit to choosing a ChoiceCash title loan serviced by LoanMart is that you can continue driving your car during repayment1. However, this privilege is only available to qualified borrowers who make their monthly payments on time!

What Are Car Title Loans?

Car title loans may be great options for people who need money quickly! With a title loan, a borrower can use their car’s title as collateral for funding. If approved, a title loan lender will place a lien on your vehicle’s title during repayment. In essence, the car serves as ‘insurance’ if the funding is not paid back. This is why car title loans are also known as secured loans– there is a physical asset on the line in exchange for money.

On the other hand, unsecured loans do not rely on physical collateral for approval. Instead, traditional banks look at a person’s credit history when deciding whether or not they should be given funding. While your credit history will be considered during a title loan inquiry, it is not the main focus for approval. Instead, what matters more is:

  1. The value of your vehicle 
  2. Demonstrate your ability to repay the loan

The value of your vehicle and how much income you have are two significant factors that may affect your approval for a car title loan! You don’t need to work a traditional 9-5 position to qualify potentially– many alternative income sources may be acceptable during approval1

What Are the Requirements for a Car Title Loan in Kentucky?

The requirements for a car title loan are simple! That’s why inquiring about ChoiceCash title loans serviced by LoanMart can be an excellent option for people from various financial backgrounds1. You must:

  1. Be an Adult at Least 18 Years Old
  2. Have a Qualifying Vehicle
  3. Demonstrate the ability to repay the loan

You must be 18 years old to apply for title loan funding. Entering into any financial agreement is a big decision; therefore, you need to be an adult when doing so! 

Additionally, you must have a qualifying vehicle to begin the inquiry process. Find out if your circumstances are acceptable for inquiring about a title loan by calling 855-422-7402 to speak with a ChoiceCash title loan representative. 

Finally, you must be able to show proof of a steady income. However, a 9-5 position is not a necessity for approval-there are many different ways to earn a living1! Below are examples of income proof that may be acceptable during the inquiry process1.

  • Worker’s Compensation
  • Annuity Payments
  • Retirement Income
  • Social Security Benefits
  • Alimony/Child Support Payments
  • Settlement Income
  • Self-Employment

What Documents Are Needed for a Title Loan in Kentucky?

The documents required for a title loan are things that most adults have on hand; therefore, they shouldn’t be too difficult to track down! To inquire about a ChoiceCash title loan serviced by LoanMart, you will need:

  • Government-Issued Photo Identification Card 
  • Proof of Residence
  • Proof of Steady Income
  • A Qualifying Vehicle
  • Recent Photos of the Vehicle

You must prove your age and identity by showing a government-issued photo I.D.or Kentucky state I.D. to inquire about title loan funding. You can use a driver’s license, a passport, or another valid state-issued I.D. card.

You will also need to show proof of residency to apply for fast title loans online in Kentucky. While title loans are available in many states, they are not available in all of them! You need to prove that you live in one of the covered areas. You can show a piece of official mail, like a utility bill or bank statement.

As mentioned earlier, you must show proof of a steady income when you inquire about title loan funding. Approval may depend on whether or not a person has the income to pay back the funds, so this is an important document to show! Many income alternatives may be accepted during the inquiry process. 

Next, you will need to have a qualifying vehicle to qualify for title loan funding. Many circumstances may be accepted during the inquiry process! For example, you may still be able to inquire about funding even if your vehicle is refinanced. Contact a title loan representative to determine if your situation meets the inquiry criteria. 

Finally, you will be asked to provide recent photos of your car. During a title loan inquiry process, lenders may want to see what your car looks like to gauge its condition. This can affect how much funding you may get and if you’re approved! A vehicle inspection is required to apply for a car title loan online. However, with a ChoiceCash title loan, you can opt for an online inspection instead by sending in a few recent photos of your vehicle!

title loans in kentucky

How Much Money Can I Get From Title Loan Funding? 

If approved, the amount of money you may get from a title loan can depend on several factors! In general, title loan lenders will look at how much equity a car has when deciding their approval and loan amount, as well as your income. 

You can find out how much equity your car has by taking its overall market value and subtracting how much you still owe on it, if at all. If you want a car equity estimation, you can use this helpful online title loan calculator tool to find out! In addition to that estimation, you could receive a quote, free of obligation1.

Additionally, you can head to websites like Kelley Blue Book to find an estimation of your car’s equity and overall value on the market. 

What Factors Affect Car Valuation?

A few key aspects are considered when determining a vehicle’s overall value. If you’re interested in increasing your car’s overall worth, these are great things to consider regardless of whether or not you’re inquiring about title loan funding. Having an older car does not mean it will lack any value! Many things can increase or decrease a car’s worth, depending on how you’ve taken care of it over the years. 

The overall condition of your car may be considered during the inquiry process. Below are factors that can affect a car’s value:

Make, Model, Style, Manufacture Year:

The make, model, style, and year the car was manufactured will all be considered during a vehicle evaluation. Just because you’ve had your vehicle for a long time doesn’t necessarily mean it will lack value! Some cars have remained in high demand over the years, which means they are still popular despite being an older model. Examples include some Chevrolet models, Honda Civics, and the Ford F-Series. 


The amount of mileage a car has can significantly impact its overall worth. That’s because a vehicle with high mileage can indicate lots of wear and tear over the years, meaning it may not be in the best condition. Cars that have racked up over 100,000 miles may have difficulty maintaining a high value, but that doesn’t mean they will be worthless! If you’ve driven your car an average amount, the value shouldn’t be negatively affected. Cars with higher mileage may still qualify for a car title loan online in Kentucky1!

Overall Condition:

The overall condition of your vehicle can also significantly impact its worth. Questions you should ask yourself when determining the condition of the car are:

  • Have I Taken It in for Regular Maintenance Checks?
  • Have I Fixed Minor Repairs Like Scratches and Dents?
  • Does Everything Run Smoothly Under the Hood and in the Interior?
  • Is It Cleaned Regularly?

These questions can indicate whether or not a car is in good or bad condition. Taking good care of your car and fixing the small things or getting it cleaned regularly can make a big difference over the years! 

Upgrades and Modifications:

It makes sense that upgrades or modifications to a vehicle would increase its value, but that’s not always the case! Certain modifications are better than others. Upgrades like replacing the tires or transmission can increase the value, but modifications like a louder exhaust or alloy rims can decrease it. Keep that in mind if you’re interested in personalizing your vehicle!

What Types of Cars Drive on the Roads in Kentucky?

Kentucky is a rural state covered in luscious rolling hills, mountains, forests, and valleys. With vast countryside surrounding the majority of this area, it makes sense that one of the most popular cars driven are the Ford F-Series trucks! You need a lot of power when going through some rough terrain at high and low altitudes. On top of that, many residents of this state work in labor, freight, or as stock and material movers, which means driving a powerful truck is necessary!

Besides having beautiful landscapes to drive along, residents of Kentucky are lucky with their roads. According to a study conducted by CNBC, Kentucky and Indiana are two of the states with the best infrastructure in America. That means you have some of the most reliable roads, railways, bridges, and ports compared to anywhere else in the country. Driving in Kentucky must be pretty nice! There are many different cars driven in Kentucky- so why not see if your vehicle could qualify for an online title loan?

How Can I Receive and Pay Back My Title Loan Funds?

As a qualified borrower, you may wonder how you can receive and pay back your title loan funds if approved. The process for both is simple and easy, with multiple options to choose from! To receive your funds, you can:

  • Direct Deposited into Your Bank Account
  • Receive a Check in the Mail 
  • Visit a Participating Money Transfer Location

Paying back title loan funding is very important. If you miss loan payments, you risk having your vehicle repossessed. However, this is typically the last resort that any title loan lender wants to take. Contact the lender if you are struggling with payments, and you may be able to come up with an alternative solution! To ensure that you pay your loans back on time, you can:

  • Set up Automatic Payments From Your Bank Account
  • Send a Check in the Mail
  • Pay Them Back at a Participating Money Transfer Location

Inquire About Title Loans Online in Kentucky Today!

There’s never been an easier way to inquire about ChoiceCash title loans serviced by LoanMart in Kentucky. You can begin the process online from the comfort of your home instead of finding a brick-and-mortar location in your area. Accessing funding can be simple if you are qualified, and approval may happen within the same business day as inquiring1.

As long as you meet the requirements and produce the necessary documentation, you can inquire about a ChoiceCash title loan serviced by LoanMart1! Get started today by filling out this inquiry form or calling 855-422-7402.

How Can I Pay for My Car Title Loan in Person?

Pay for your car title loan at any MoneyGram location in Kentucky. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

For the sake of convenience for Kentucky customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

You can apply for online title loans in Kentucky without making a store visit! Start your inquiry from the comfort of your home by filling out the prequalification form online. Or, call 855-422-7402 to speak directly with a ChoiceCash title loan agent.1

The requirements for online title loans in Kentucky are very simple and straightforward. To initially qualify, you will need to meet these requirements:1

  • Be 18 Years of Age or Older
  • Have a Title to a Qualifying Vehicle in Your Name
  • Be Able to Provide Proof of Income or Alternative Income

You don’t need a perfect credit score to apply for online title loans in Kentucky! While your credit history is a part of the application process, title lenders will primarily focus on these two factors:1

  • Your Income
  • The Value of Your Vehicle

The application process for ChoiceCash title loans in Kentucky only involves three simple steps:

  1. Fill out a short inquiry form online or call 855-422-7402 to get started
  2. Submit the necessary documents via email or text message
  3. Find out if you qualify for online title loans in Kentucky!1

Your loan amount will be determined primarily by the amount of positive equity in your car and your income. You can use ChoiceCash’s online title loan calculator tool to receive a car equity estimate and a loan quote, free of obligation!1

Kentucky Demographics

The table below depicts the percentage of citizens in Kentucky that have a formal educational background:

High School Graduate (includes GED or equivalency) Bachelor's Degree or Higher
Percentage of Kentucky Residents Age 25+ 87.7% 25.7%

Below is a table that shows what the average weekly wages look like in the five largest counties in the state of Kentucky:

County Average Weekly Wages, Expressed in Dollars
Boone $1,002
Bourbon $888
Boyd $966
Fayette $1,116
Jefferson $1,293

For more information regarding the living arrangements of families in Kentucky, take a look at the table below:

Total Number of Housing Units 2,008,239
Persons per Household 2.50
Median Gross Rent, Expressed in Dollars $826

Below is a table that depicts the median income and poverty rate in the state of Kentucky:

Median Household Income, Expressed in Dollars $55,454
Per Capita Income, Expressed in Dollars $30,634
Persons in Poverty, Expressed as a Percentage 16.5%

You can learn more about the geography and population of Kentucky in the table below:

Total Population in Kentucky 4,512,310
Population Per Square Mile 114.1
Land Area in Square Miles 39,491.61

What Locations in Kentucky Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over Kentucky including metro areas . Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans Kentucky: