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 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)

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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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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. Reset

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Name	Product	Product Description	Maximum Loan Amount	Term of Loan	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	Varies by state	1–2 business days	You must be at least 21 and an American citizen and have a bank account, email address and phone number.	Go to site More	Compare	loading Fetching your data...
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	7–30 days	generally receive the money the next business day	Be 18+ years of age and have a checking account that can accept electronic transfers.	Go to site More	Compare	loading Fetching your data...
CashNetUSA Loan		Apply for a short-term loan with an easy online application and dedicated customer service.	Varies by state	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.	Go to site More	Compare	loading Fetching your data...
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	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.	Go to site More	Compare	loading Fetching your data...
LoanByPhone Payday and Installment Loans		This mobile lender offers convenient cash loans. Apply online or by phone.	$3,000	Varies by state	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.	Go to site More	Compare	loading Fetching your data...
BadCreditLoans.com		With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.	$5,000	3 to 36 months	Varies	Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.	Go to site More	Compare	loading Fetching your data...

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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.

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.