Lexington, set amidst Kentucky’s rolling bluegrass hills, combines the charm of the Old South with the vibrant energy of a modern city. While the city of Lexington is known for many positive things, such as horse racing, a growing number of residents in this historic city could be struggling to handle their debt and the current cost of living in Kentucky. With a reported average level of indebtedness of 125% relative to annual income, many households in the Lexington MSA face financial pressures. Additionally, while the cost of living in the city of Lexington is 7% lower than the national average, it is 2% higher than the state average. Title loans in Lexington, Kentucky, can be an optimal solution to consider if you have a qualifying vehicle and need emergency cash to pay for rent or household expenses! With a car title loan, you have the opportunity to borrow against the value of your vehicle by pledging its title as collateral for the loan.  

Before you can learn more about how Kentucky title loans work, it is important to understand that you won’t be able to get guaranteed approval for online title loans in Lexington. Title lenders typically do not offer guaranteed approval for title loans because they must verify specific information, such as the applicant’s ability to repay the loan, before they can approve an individual for quick funding through a title loan. In order to get approved for a car title loan, you must meet the initial application criteria, provide the right documentation, and undergo both a credit check and a vehicle inspection.1

Take a closer look at the initial title loan requirements in Lexington, Kentucky:1

  • Have a Car, Truck, or SUV with a Considerable Amount of Positive Equity
  • Be at Least 18 Years of Age
  • Be Able to Demonstrate Proof of Your Ability to Repay the Loan
  • Have a Vehicle Title in Your Name

If you meet the necessary requirements and are eligible for a Lexington title loan, you can access your funds in as little as 24 hours. Although you are expected to pledge your qualifying car or truck title as collateral for the loan, you will still be able to maintain access to your car throughout the repayment period!1

Do you have any questions about applying for cash title loans in Lexington? Visit the FAQ page or call 855-422-7402 to learn more about the application process today! ChoiceCash title loan representatives are available 6 days a week for extended hours to take your call and answer any questions you may have about applying for title loans with no store visit in Lexington, Kentucky.1


Applying for title loans online in Lexington, Kentucky, shouldn’t be overly complicated. Whether you are applying for a title loan in Elizabethtown, Lexington, Louisville, or Bowling Green, you can conveniently apply for the fast cash you need from the comfort of your home today.1

The application process for a ChoiceCash title loan serviced by LoanMart can be condensed and categorized into three main steps, which are broken down for you in the list below:1

  1. Gather the Necessary Documentation: As a potential borrower, you should gather the paperwork that is needed to complete the loan approval process. Documentation that you will need to have at the ready typically includes your vehicle’s title (which should be in your name and possession at the time of your application), proof of income, a valid, government-issued identification card, recent photos of your vehicle, and proof of your current address in Lexington. As a resident of Kentucky, a car title lender will typically ask you to upload a few pictures of your vehicle title’s front / back and then surrender it if you decide to proceed with the loan. These documents can be conveniently submitted online during your application for a Lexington title loan!1
  2. Begin the Loan Inquiry Process: Once you have gathered the necessary paperwork, you are ready to call 855-422-7402 and speak with a ChoiceCash title loan agent directly. Or, if you prefer to get started online, you can conveniently submit a quick pre-approval form. Upon initial approval, a ChoiceCash title loan agent will reach out and ask you to upload the necessary documents online or send them via email / text message.1
  3. Fund Disbursement: If you are approved for a ChoiceCash title loan in Lexington, Kentucky, you can choose to receive your title loan proceeds via wire transfer to your bank account or have your money loaded onto an existing debit card. It’s important to understand that you can apply for a Kentucky title loan without a bank account! You can also pick up your funds at any participating money transfer location in Lexington. It’s possible to get your funds in as little as one business day if you are eligible for a ChoiceCash title loan serviced by LoanMart.1
title loans Lexington, Kentucky


A bad credit score can have adverse effects on an individual’s life, including hindering their ability to secure a loan or credit card. If you have bad credit and have been rejected for a loan in the past, you may be incredibly hesitant to apply for a loan that requires a credit check because you fear rejection or another negative mark on your credit score. However, with a vehicle secured loan, you are offering your vehicle title as collateral in order to guarantee the loan, so the application process can be flexible in comparison to an unsecured loan.1

Although you will not be able to find a lender who offers title loans with no credit check in Lexington, Kentucky, you don’t need a perfect credit score to apply for a title loan. Therefore, a credit check shouldn’t scare you away from applying for the financial help you need to get back on your feet! Call 855-422-7402 to learn more about applying for online title loans in Lexington, Kentucky.1


If you have your vehicle title in your possession and are wondering how much you can get for a title loan with no store visit in Lexington, Kentucky, you’ve come to the right place! 

A title loan calculator, located on the ChoiceCash website, can be used to get a loan quote with no obligation today.1 The online calculator tool will prompt you to provide the following information:

  • The Number of Miles on Your Vehicle
  • The Model Year of Your Vehicle
  • Your Current State of Residence (Kentucky)
  • The Make and Style of Your Vehicle 

The overall value of your vehicle and your income are the key factors that will not only determine your eligibility for a title loan but will also be used by a title lender to determine your total loan amount.1

This handy calculator is an excellent tool that uses a vehicle valuation database to determine the total amount of equity in your vehicle that you intend to use as collateral for a Lexington title loan. In order for your car, truck, or SUV to qualify as collateral for a title loan, it must have positive equity. When you have positive equity in your vehicle, that means that its market value is greater than the amount that you currently still owe on it. However, negative equity, or being “upside down” on a car, occurs when you owe more on your loan than the car is currently worth. This can often be due to factors like depreciation, high mileage on your car’s odometer reading, not putting enough money down, or simply overpaying for a car. If you owe nothing on your car, then the current amount of equity in your vehicle is equal to its current resale value. 

The good news is that you can access this online title loan calculator without leaving your home! Simply fill out the online form to get a loan quote today. Typically, if you are eligible for a title loan in Kentucky, you can access up to 50% of your vehicle’s current value. Remember that the amount you will be able to access through an online title loan in Lexington, Kentucky, will also depend on your ability to repay the loan proceeds!1

online title loans Lexington, Kentucky


According to data released by the Bureau of Labor Statistics in 2022, the average hourly wage in Lexington, Kentucky, is around $25 per hour. Additionally, although the most common occupation in the “Horse Capital of the World” is administrative support, there are many different ways to earn a living. 

Generally, you won’t be able to find a lender who offers title loans with no income verification in Lexington, Kentucky. Title lenders will need to verify your ability to repay the loan during your application! But, that does not mean that you need to have an office job in order to apply for a title loan. As long as you can prove you have the means to repay the loan with an alternative source of income, you can apply for a title loan without a traditional job!1

While you will not be able to get instant online title loans in Lexington, you can call 855-422-7402 today or apply online and instantly find out if you are pre-approved for a ChoiceCash title loan in Kentucky.1


Pay back your car title loan in Lexington 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:

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Locations near Lexington, Kentucky

    ChoiceCash is proud to service residents all over Kentucky including metro areas Bowling Green, Louisville, and Owensboro. Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near Lexington:

    Featured Locations near Lexington, Kentucky

    Nearby States by Kentucky That offer a ChoiceCash Title Loan