Payday loans in Nevada |

Compare your loan options in 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’re a resident of Nevada, a payday loan can get you money in a hurry.

An unexpected bill or emergency expense could have you strapped for cash. If you’re considering a payday loan, learn about the regulations in place before you borrow so you can make a smart decision when it comes to your financial future.

CashUSA Installment Loans

Our top pick: CashUSA

Need a quick cash loan as high as $10,000? This loan connection service could help.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Loan Term: 90 days to 72 months
  • Turnaround Time: As early as 1 business day
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.

    Are payday loans legal in Nevada?

    Yes, payday loans are legal in Nevada. Payday loans are governed by Nevada Revised Statutes 604A.010 et seq., which requires lenders to be licensed and to abide by Nevada short-term lending law. A lender can’t provide a loan exceeding 25% of a borrower’s gross monthly income with a maximum loan term of 35 days, with the option of a 60-day extension. A payday installment loan, however, can last up to 90 days, although there is no extension allowed.

    You may choose to cancel your loan before the end of the next business day.

    Lenders required to check if borrowers can afford loans

    In 2017, Governor Sandoval signed AB 163 into law. This bill forces lenders to make sure a person has the ability to repay a loan before they are approved. This is to help consumers who may not be able to pay back what they borrow and is part of a greater trend to increase regulations on payday lenders so consumers have a better chance of repaying instead of falling into debt.

    Consider these lenders for a payday loan in Nevada

    Check the websites of any providers you’re interested in to confirm they operate in Nevada.

    Rates last updated February 18th, 2019
    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
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    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.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
    NetCredit Installment Loan
    Build a positive credit history with on-time payments and flexible repayment terms. Check your rate without affecting your credit score.
    1-3 business days
    Must be 18+ years old, a legal resident of the US and have a Social Security number. Minimum credit score of 550.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    As soon as next business day
    Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.

    Compare up to 4 providers

    What fees and charges do Nevada short term loans come with?

    Nevada payday loan laws have a bearing on how much your loan may end up costing. Here’s what you need to know:

    • Maximum finance rate and fees: There is no limit on the finance charge or APR for a payday loan. After default, a lender cannot charge interest exceeding the prime rate at the largest bank in Nevada plus 10%.
    • NSF fees: A lender may charge two non-sufficient funds fees of $25 each and one $25 fee for a closed account.
    • Court costs: If you default, you may be required to pay court costs and reasonable attorney fees.
    • Rollover fees: There are no specifics surrounding rollover of payday loans in Nevada, but you should expect to pay the financing fees for taking out a new loan as well as any other fees to cover the cost of the previous loan.

    How do I apply for a payday loan in Nevada?

    The application process is relatively easy provided you have everything you need close by. A lender will require tht you be at least 18 year old, an American citizen or permanent resident and have a regular source of income before you apply, and you will likely need to supply your Social Security number and access to your checking account (if you’re applying online).

    Have a valid form of ID close by and information about your income, employer and personal details while applying to keep things quick.

    What should I consider before taking out a payday loan?

    Local resources include the Energy/Utilities Emergency Assistance program and Temporary Assistance for Needy Families (TANF). These can help cover some basic bills while you work on paying down your other debt.

    You may also want to consider some alternate credit sources, such as a credit card cash advance, installment loan or a debt consolidation loan. These have longer terms to pay back what you owe and often come with slightly lower interest rates than a short-term payday loan.

    There are other non-credit options you may want to consider

    Bottom line

    If you’re having a tough time paying bills or an emergency expense, a payday loan might be a helpful way to make it between paychecks. As long as you know how much it will cost and budget for it, you’ll be able to avoid extra debt and help yourself get back on solid footing.

    Have any more questions about Nevada short term loans?

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on

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