Compare your loan options in Las Vegas

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.

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

Frequently asked questions

• Does a payment plan cost extra?

  It depends on the lender. Nevada doesn’t specify a payment plan lenders are required to follow, so you’ll need to discuss this with your lender when negotiating your contract or requesting a payment plan.

• Will a lender check my credit?

  When you apply for a payday loan, lenders might run your credit through a third-party source. It won’t be reported to the big three credit bureaus as an inquiry, but it will be accessible to banks and other financial institutions in the future.

• How do I get my loan on the same day?

  Online lenders won’t be able to get your loan on the same day, but you might be able to pick up your loan from a physical store on the same day you apply as long as you get it in the form of cash or a check.