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Compare your loan options in Las Vegas

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

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By

Elizabeth Barry

Updated

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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.

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Name Product Filter Values Loan amount Turnaround time Requirements
Cleo
Not rated yet
Cleo
$20 to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
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Brigit
Not rated yet
Brigit
$250
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
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LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
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.
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Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
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CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Go to site
Cleo
Not rated yet
Cleo
$20 to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Go to site
Brigit
Not rated yet
Brigit
$250
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Go to site
More Info
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
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.
Go to site
More Info
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
Go to site
More Info
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
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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

  • 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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