Short-term loans in Carson City, Nevada | finder.com
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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.

OppLoans Installment Loans

OppLoans Installment Loans

OppLoans offers borrowers fast funding with lower interest than a typical payday loan.

  • Minimum Loan Amount: $500
  • Maximum Loan Amount: $4,000
  • Loan Term: 9 to 36 months
  • Turnaround Time: 1 business day
  • Must be 18+ years old (19+ in Alabama)

    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.

    Rates last updated June 20th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    Here are a few positives when it comes to borrowing a payday loan

    • 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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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

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

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