Compare your short-term loan options in Carson City, Nevada

Short-term loans are designed to help you get from one payday to the next when you’re facing a tough financial crisis and don’t have anywhere else to turn. If you live in Carson City, this guide should help you locate a lender that suits your needs.

What should I know about short-term loans in Carson City?

Both online and storefront lenders are required to abide by Nevada Revised Statutes 604A.010 et seq. You can borrow up to 25% of your gross monthly income for 35 days or less, and you are able to cancel the loan if you no longer need it.

It’s important to read the full contract and be careful when you accept a loan. Nevada doesn’t limit the amount of interest a lender can charge you for a short-term loan, meaning the cost of the loan can be much higher than what you initially borrow.

Read about Nevada law here to be sure you don’t pay more than necessary

Here are some short-term lenders you might want to look into

Check the websites of any providers you’re interested in to confirm they operate in Nevada.

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Name	Product	Filter Values	Max. Loan Amount	Turnaround time	Requirements
OppLoans Installment Loans			$5,000	1 business day	Direct deposit, meet minimum income requirements, live in eligible state	Comes with the option to change your due date so you won’t fall behind on repayments.	Go to site More Info		loading Fetching your data...
Check Into Cash Installment Loans			$3,000	1 to 2 business days	Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California	Borrow money with lower payments and more time to pay than a traditional payday loan.	Go to site More Info		loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service			$35,000	As soon as the next business day	Regular source of income, verifiable bank account, US citizen, ages 18+	Get connected with multiple lenders you might qualify with — even if you have bad credit.	Go to site More Info		loading Fetching your data...
LendYou Short-term Loans			$15,000	Same business day to 1 business days	$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+	Get offers from potential lenders in minutes by filling out just one online form.	Go to site More Info		loading Fetching your data...
Possible Finance Mobile Installment Loans			$500	As fast as 1 business day	Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+	Borrow up to $500 with just a few swipes — but only for residents of 5 states.	Go to site More Info		loading Fetching your data...
BadCreditLoans.com			$5,000	Varies	Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.	With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.	Go to site More Info		loading Fetching your data...

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Loan features that make borrowing a short-term loan convenient

• Plenty of locations. If you want to visit a storefront, there are plenty of shops you can visit. Likewise, there are multiple online lenders that make the application process quick and easy.
• Bad credit is OK. Even if you don’t have the best credit, you can still apply for a payday loan from a Carson City lender. Most lenders consider your total financial situation, not just your credit, when determining if you’re approved.
• Short loan term. Since Nevada sets a term limit on payday loans, you won’t have to worry about interest accruing over months. As long as you pay on time, your loan shouldn’t be overly expensive.

Are there any consumer protections in Nevada?

There are some, but you’ll need to read over your loan contract to make sure a lender is abiding by the rule of law. Should you change your mind about borrowing, you can cancel the loan by the end of the next business day. If you default, lenders may charge you no more than the prime rate of the largest bank in the state plus 10%.

It’s best to avoid taking out a payday loan unless you’re sure you can repay it. Payday loans are known to be costly forms of credit, so if you can’t afford it, don’t take it out.

Ready to apply? Here’s how to submit your application

You can visit a short-term lender’s storefront or submit an application online. You’ll need to provide proof of your employment and your monthly income as well as your Social Security number and access to your checking account. This is so lenders can confirm your identity before they approve you for a loan.

If you aren’t approved, you can still consider these short-term loan alternatives

Short-term loans near you in Carson City, Nevada

Where can I go to get a short-term loan?

Frequently asked questions

• What if I need more time to pay my loan back?

  If you think you’ll need more time to pay back your loan, you can consider an installment loan. These function similarly to payday loans, but instead of being due on your next payday, you’ll be able to pay back your debt over a period of 90 days.

• Can I get a loan on the same day as when I apply?

  Most likely, the answer is no. Online lenders need time to process your loan and deposit it into your bank account, so the quickest you can get your loan is by the next business day. If you apply at a storefront, you may be able to walk out with cash in hand, however, the application process usually takes much longer.

• What happens if I default?

  If you aren’t able to pay back your loan, you can be charged up to two non-sufficient funds (NSF) fees of $25 each and one $25 fee for closing your account. If the missed payment is taken to court, you may be required to pay court costs and reasonable attorney fees.