Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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

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


Fact checked

Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • APR starting at 4.66%
  • Funding as soon as the next business day
  • Accepts fair credit
Check my rate

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.

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 - $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.
 Check Into Cash Installment Loans
$100 - $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.
Fast5kLoans Short-term Loans Connection Service
$100 - $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.
Monevo Installment Loans
$500 - $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
$500 - $10,000
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.
LendYou Short-term Loans
$100 - $15,000
Same business day to 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.

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

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site