Short-term loans in Carson City, Nevada |
carson city

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

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If you need quick cash, a short-term loan in Carson City, NV could be the answer.

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.

Our top pick: OppLoans Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

Our top pick: OppLoans Installment Loans

Comes with the option to change your due date so you won’t fall behind on repayments.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements

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.

Updated May 26th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
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.
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
1 business day
$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.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
1 business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

Compare up to 4 providers

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.

Orson needs to take his dog to the vet

payday loan carson city
Orson’s dog needed immediate surgery, but he didn’t have enough money to cover the bill when it came due. The credit card he usually uses is maxed out and he doesn’t have the best credit, so Orson decided to apply for a short-term loan. He was approved for $400 for a term of four weeks. Orson read his contract carefully, which stated that he would need to pay a fee of $25 for every $100 he borrowed.

At the end of his loan term, the lender debited the payment from his account. Because it fell on his next payday, he was able to pay back the full $500 without being charged any collection fees.

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

Why do lenders need to know my income?

Nevada passed a new law in 2017 that forces lenders to confirm a person has the ability to repay a loan before they’re approved. This means payday lenders will need to know your income in order to determine whether or not you can afford a loan. In addition, Nevada law prevents you from borrowing more than 25% of your monthly income in the form of payday loans. With these two rules in mind, lenders want to make sure you can afford a loan and will need your income to confirm it.

Short-term loans near you in Carson City, Nevada

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

  • Advance America. 3331 US Highway 50 E Ste 1, Carson City, NV 89701
  • Check ‘n Go. 3733 N Carson St, Carson City, NV 89706
  • Dollar Loan Center. US-395 and Retail Drive #105
  • Moneytree. 2073 E William St, Carson City, NV 89701
  • Nevada Title and Payday Loans, Inc. 3151 N Carson St, Carson City, NV 89706
  • Paycheck Advance. 1621 US Highway 50 E #C, Carson City, NV 89701
  • Quik Cash. 2050 N Carson St Suite A, Carson City, NV 89706
  • TitleMax Title Loans. 2020 E William St, Carson City, NV 89701
  • US Auto Title & Payday Loan. 4338 S Carson St, Carson City, NV 89701
  • USA Cash Services. 1111 N. Carson St, Carson City, NV 89701

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Installment loans with competitive rates from a top-rated direct lender.

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