Compare your loan options in Las Vegas

What you need to know before getting a payday loan in Vegas.

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If you’re a resident of Las Vegas and need payday loan, consider your options carefully. While they’re legal, Nevada doesn’t limit how much a lender can charge.

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
Promoted

Can I get a payday loan in Las Vegas?

You can. Nevada allows payday loans, though there are some restrictions:

  • Maximum amount: No more than 25% of your monthly income before taxes
  • Maximum term: 35 days
  • Maximum APR: None

Lenders also must be licensed and consider your ability to repay the loan by asking for documents verifying your income and employment status, and potentially your credit rating. You can learn more about Nevada payday laws with our guide.

Las Vegas installment and title loans

Need more than 25% of your monthly income? You can get up to 25% of three months of income if you take out an installment loan in Vegas with a maximum of 90 days to pay it back. APRs start at 40% with no cap.

Need even more and have a car? You might consider a title loan in Nevada as a last resort. In Nevada, you can borrow up to the fair market value of your car with a loan term of 30 days if you repay it all at once or up to 210 days if you repay in installments.

  • Since Nevada has no APR caps for short-term loans, it can get extremely expensive. Make sure you’re able to afford the repayment terms before applying for a loan and compare lenders. Or, consider payday loan alternatives.

Consider these lenders for online payday loans in Las Vegas, Nevada

Updated October 17th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,200
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
$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.
$5,000
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.
$2,600
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.
$50,000
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
Same business day to 1 business days
$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.
$10,000
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.
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.

Compare up to 4 providers

Should I get a payday loan in Las Vegas?

Las Vegas’s lack of regulations when it comes to financing charges might make you want to treat it as a last resort. You might consider one if you…

  • Need money fast. If you apply in-store, you can expect to get your money on the same day. Online lenders generally take between one to three days to send the funds to your bank account.
  • Don’t have a checking account. While most lenders require you to have a checking account, some don’t if you apply in store.
  • Bad credit OK. While you need to have proof of your ability to repay the loan, you can typically get a payday loan with bad credit.

What do I need to apply?

Before you start an application, you’ll need

  • to be at least 18 years old
  • to be a US citizen or permanent resident
  • to have a regular source of income

Although all lenders have different applications, they usually require the same information. This includes

  • Your name, address, email and phone number
  • Your date of birth, Social Security number and a valid ID
  • Your employer’s name, address and phone number
  • Your gross monthly income
  • Your bank account details if you’re applying online

Payday loan locations in Las Vegas, Nevada

Payday loan stores you can visit in Las Vegas

  • A Advance Payday. 3985 E Sunset Rd # C, Las Vegas, NV 89120
  • Cash 1 Loans. 1995 N Nellis Blvd c, Las Vegas, NV 89115
  • Cash City. 6020 W Flamingo Rd, Las Vegas, NV 89103
  • Cash Factory USA. 6965 S Rainbow Blvd #130, Las Vegas, NV 89118
  • Dollar Loan Center. US-395 and Retail Drive #105
  • First Choice Loans. 1680 E Flamingo Rd, Las Vegas, NV 89119
  • Nevada Title and Payday Loans, Inc. 3280 W Spring Mountain Rd, Las Vegas, NV 89102
  • Payday Loans Las Vegas. 140 E Flamingo Rd, Las Vegas, NV 89109
  • Rapid Cash. 2710 S Maryland Pkwy a, Las Vegas, NV 89109
  • Star Loan Centers. 432 E Sahara Ave, Las Vegas, NV 89104

Be cautious of high APRs

Because Nevada doesn’t specify the amount of interest a lender can charge, read your loan contract carefully to learn how much your loan will cost. Keep in mind that the more you borrow, the more you owe.

For instance, if you borrow $300 an have a financing fee of 20%, you’ll have to pay back $60. This number will fluctuate on other costs outlined in your loan contract, which makes the document crucial when you’re determining if you should go with a loan.

Finding a short-term loan in Las Vegas may seem easy, but since there is no maximum APR lenders have to stick to, comparing your options to find the most affordable one is essential.

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