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

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

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

OppLoans Installment Loans

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

  • Minimum loan amount: $500
  • Maximum loan amount: $5,000
  • Turnaround time: 1 business day
  • Loan term: 9 to 36 months
  • Must have direct deposit and meet minimum income requirements
Go to site
Promoted

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 December 17th, 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
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
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.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
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.
ACE Cash Express Short-term 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.

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

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder.com 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 finder.com 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.

US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

Go to site