Payday Loans and Cash Advance in Nevada: Get Offers Online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the 2024 Nevada average of about $14.76 per $100 (Nevada Lender Database System, Report on Nevada Lending Activity through Dec. 31, 2024). A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Nevada lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Nevada, requested online
Nevada residents can request $100 to $1,000 online from any of the 99 Nevada cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
Nevada Lender Database System, Report on Nevada Lending Activity through Dec. 31, 2024, 2024: 134,243 loans, average loan $489, about $14.76 in fees per $100, 240 licensed locations.
What Nevada law says
- Fee limit: No cap on the fee or interest rate is set for payday (deferred deposit) loans; the cost is set in the loan agreement. A loan over 40% APR is classed as a high-interest loan.
- Maximum loan term: 35 days.
- Income limit: cannot exceed 25% of the borrower's expected gross monthly income, counting the borrower's other outstanding loans.
- Renewals: A written extension or refinance cannot push repayment past 60 days after the original term, and unpaid interest and fees cannot be added to the new loan's principal (NRS 604A.5029).
- Payment plan: Extended payment plan once per 12 months if requested before the due date: at least 4 payments over 60+ days, no added fees. After default, a repayment plan of 90+ days must be offered.
- Loan limits: One loan at a time per customer from a lender, with limited exceptions. Lenders must register loans in the state database (since Feb. 1, 2022).
- Lenders must hold a license from the Nevada Financial Institutions Division (Dept. of Business and Industry) and disclose fees and APR before you sign.
Good to know
- A payday loan in Nevada cannot be larger than 25% of your expected gross monthly income, including your other outstanding loans.
- The original term of a deferred deposit loan cannot exceed 35 days.
- You can cancel a deferred deposit loan by the close of business on the next business day, with no fee, by returning the cash or the original check.
- You can pay a deferred deposit loan off early with no added charge.
- If you ask before the due date, the lender must offer a free extended payment plan of at least 4 payments over 60+ days, once every 12 months.
- After default, interest and fees a lender can collect together cannot exceed the loan principal, and interest stops after 90 days past the loan period.
- In 2024, 137,496 Nevada borrowers took out loans, and 63% opened two or more loans in the year.
Why request online
Installment loans in Nevada
Need more time to repay? Nevada also allows installment loans from licensed lenders, repaid in fixed monthly payments. Rates are set by agreement. A loan above 40% APR counts as a high-interest loan and is limited to 90 days, so longer installment loans stay at or below 40% APR.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Installment loan license from the Nevada Financial Institutions Division (NRS 675).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
Payday Loan Rules in Nevada
| Maximum amount | Total outstanding deferred deposit debt ≤25% expected gross monthly income |
|---|---|
| Loan term | Original term ≤35 days |
| Rate / fee rule | No simple statewide payday APR cap in statutory summary |
| Regulatory basis | Nev. Rev. Stat. Ch. 604A |
Key Rules
- Income cap and term cap apply
- high-interest lender rules govern
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Nevada cities
Questions people ask
Can I get a loan in Nevada with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Nevada?
Yes. Lenders are licensed by the Nevada Financial Institutions Division (Dept. of Business and Industry) under Nev. Rev. Stat. ch. 604A (deferred deposit and high-interest loans).
What is the maximum payday loan in Nevada?
State law and the lender set the amount. The lender decides your amount based on income.
How much does a payday loan cost in Nevada?
Fee limit in Nevada: no cap on the fee or interest rate is set for payday (deferred deposit) loans; the cost is set in the loan agreement. A loan over 40% APR is classed as a high-interest loan. At $14.76 per $100, a $300 two-week loan costs $44.28, about 385% APR.
Where can I complain about a lender in Nevada?
Contact the Nevada Financial Institutions Division (Dept. of Business and Industry) at 702-486-4120 or the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
Payday loans near me in Nevada: find your city