Compare payday loans in Reno, Nevada | finder.com
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Compare short-term loans in Reno, Nevada

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Find a lender near you in the Biggest Little City in the World.

There are plenty of last-minute financing options in Reno if you need a small-dollar loan. But it can get expensive. Nevada allows lenders to charge as much as they want in interest — and you can renew your payday loan for up to 60 days after the original term.

CashNetUSA Loan

For fast cash: CashNetUSA

Get a payday loan, installment loan or line of credit, depending on state availability.

  • Loan Amount: Varies by state
  • Turnaround Time: 1 business day
  • 15% off initial loan fee on payday loans or brokered loans
  • Quick application, no collateral needed
  • Bad credit is OK

    Can I get a payday loan in Reno, Nevada?

    Yes, you can get a payday loan in Reno. Lenders follow the same payday loan laws as other Nevada cities:

    • How much you can borrow: Up to 25% of your monthly income before taxes
    • How long you have to pay it back: 35 days with the option to renew for up to 60 more days
    • Maximum APR: None

    Check to make sure your lender has a state license before applying — it’s required by Nevada law. Payday lenders are also required to make sure you can afford to repay the loan, so expect your lender to ask for proof of income or bank statements when you apply. Check out our guide to learn more about Nevada payday loan laws.

    Other short-term loans in Reno

    Payday loans aren’t the only type of fast financing available to Reno residents with bad credit. You can also get what Nevada calls a high-interest loan — also known as an installment loan — or a title loan backed by your car.

    • High-interest loans: Borrow up to 25% of your monthly income before taxes with up to 90 days to pay it back in monthly installments. APRs start at 40%.
    • Title loans: Borrow up to the fair market value of your car and pay it back in full within 30 days or in installments over a 210-day period.

    Compare short-term loans you can apply for today

    Rates last updated January 24th, 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.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    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.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    $2,000
    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.
    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.
    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.
    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.
    HonestLoans Installment Loans
    Get a flexible installment loan with fast funding through one easy online application form.
    $2,500
    As soon as one business day
    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.

    Compare up to 4 providers

    What do I need to apply?

    What you need to apply varies by lender, though you typically must:

    • Have a regular source of income. While you might not need to have a job, Reno lenders are required to make sure you have enough money coming in to pay off your loan.
    • Have a checking account. Some lenders require your account to be active for a certain number of days.
    • Have a Social Security number. You typically need to submit your Social Security number when applying for any loan, though some lenders might also accept a tax identification number.
    • Be a US citizen or permanent resident. If you’re on a visa, you might want to look into loans for nonresidents instead.
    • Be over 18. The minimum age to take out a loan in Reno is 18 years old.

    You can also expect to be asked for some or all of the following documents when you apply:

    • Proof of income. Pay stubs, bank statements or any other documents showing that you have money coming in are acceptable.
    • Personal check. If you’re applying at a payday loan store, it’s common for lenders to ask you to bring a blank check. Online applicants typically must provide a bank account and routing number instead.
    • Valid government-issued ID. Payday lenders typically accept any photo ID issued by Nevada or the federal government.
    • Proof of residence. In addition to your state-issued ID, some lenders might ask to see proof that you live where you say you do — such as a recent utility bill.

    Where to find short-term loan locations in Reno

    Short-term loan locations near me in Reno, NV

    • Nevada Title and Payday Loans, Inc.961 S Virginia St, Reno, NV 89509
    • Check City.10590 N McCarran Blvd, Reno, NV 89503
    • US AUTO TITLE & PAYDAY LOAN.2905 Northtowne Ln, Reno, NV 89512
    • Minute Loan Center.1100 E Plumb Ln, Reno, NV 89502
    • Cashco.495 Keystone Ave # B, Reno, NV 89503
    • Rapid Cash.690 E Prater Way, Sparks, NV 89431
    • Easy Money EMG.1100 Plumb Lane # A, Reno, NV 89502
    • Lend-A-Check.1274 E Plumb Ln E, Reno, NV 89502
    • Paycheck Advance.3977 S McCarran Blvd # 101, Reno, NV 89502
    • Maverick Finance.2295 S Virginia St #3, Reno, NV 89502

    Be cautious of unlicensed lenders

    Since Nevada requires all lenders to be licensed, it’s easy to make sure the company you’re working with is legit. If you don’t see its license displayed prominently online or in the store, ask to see it. If it can’t produce it, look elsewhere for financing.

    Not comfortable working with a payday lender — even if it’s licensed? Look into local resources available to Nevada residents or see if a federal credit union near you offers payday alternative loans, which come with APRs capped at 28%.

    Bottom line

    You have three main options when it comes to short-term loans in Reno, Nevada. But with no legal limit to how much a short-term lender can charge, APRs can reach well into the triple digits.

    Learn more about how short-term loans work by reading our guide to payday loans.

    Frequently asked questions

    Anna Serio

    Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

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    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