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Loans in Nevada (NV)

Payday Loans in Nevada (NV)

As 13% of the people settled in Nevada live in poverty, it is very likely that they would rely on a payday loan – a fast and easy way to pay off some debts or take care of some emergencies. If you are living in Nevada, or you’ve just moved in, there are some things you should know before having this type of loan as your main target.

Payday Loans Nevada

Therefore, today we’ll be covering everything you need to know about the Nevada payday loans – from what payday loans are and up to the characteristics they have in Nevada.

Introducing Payday Loans

A payday loan is a type of loan that many people rely on when they face certain problems or emergencies. Basically, it is a type of loan that allows you to have your monthly salary in your hands and ready to spend before the end of the month.

Naturally, when the payday is approaching, you will have to pay off that loan – especially if you don’t want any extra debt piling up. As expected, there are certain fees and downsides that apply to every single one of the payday loans in Nevada.

Characteristics of Payday Loans in Nevada (NV)

First of all, you should be aware of the fact that the interest rates that can be charged by payday lenders can go over 60%, which is a lot. As a result, the Nevadan lenders manage to round up almost $183 million every year from the citizens of Nevada.

If you desperately need a payday loan, you won’t have a hard time finding the right place. There are around 339 locations from which you can get your very own payday loan – which could get you in more debt if you are not paying attention.

The minimum amount you can borrow is of $500 and has a maximum loan term of 35 days. Therefore, you can pay the loan right in time after receiving your salary. A lender can’t give you more than 25% of your gross monthly income – but this is enough to get yourself caught in a wheel of debt.

Why? Because you may choose to extend your loan term by 60 more days and be forced to make another payday loan just to pay off your last one. By doing this, you will most likely fall into debt – that’s why we recommend you borrow just as much money as you need and to try to pay it back on time.

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Online installment loans in Nevada

Nevada customers can apply for payday (no credit check) and installment loans online in Las Vegas, NV, Henderson, NV, Reno, NV, North Las Vegas ... We have an easy online application process for a cash advance of $300 to $3,000 for Nevada residents.

Fees of Nevada Payday Loans

The only thing you should worry about when you are dealing with a payday loan is the non-sufficient fees. These are withdrawn from your bank account when the time for you to pay off the loan has come.

In case the lender does not find any money in the account, he or she will be able to charge a maximum of two NSF fees of $25 each. Moreover, if your account is closed at the time, a fee of $25 will apply as well.

Again, we advise that you borrow only the amount you really need to solve your issues – if you are in a tight spot, think through your decision twice; if you are able to make it without a payday loan, then it is better if you avoided it.

Have a question?


Short-term loans represent a type of emergency borrowing meant to help you with immediate financial issues. They can only become pricey products once you use them for long-term purposes.‘s operator and owner is not a lender, so he isn’t involved in making credit decisions that include lending and making loan offers. This website actually works as a matching service, helping you contact with lenders and third parties. You are not charged any fee for our service. Moreover, you are not forced to initiate contact with any lender or third party or accept any of their offers.


The data that is presented on our website regarding short-term loans and the industry is here for information purposes only. We do not uphold a particular lender, and we’re not responsible for a lender’s actions or inactions. Moreover, doesn’t collect or store your data concerning fees and charges associated with the lenders. Basically, we don’t have access to this data in the first place.


Not every state approves of short-term loans. Also, not every lender in our network is able to provide loans of up to $1,000. We don’t guarantee that a consumer will get approval for any loan product or lender or will be matched with a lender. If matched, it doesn’t mean he/she will receive the requested short-term loan.


In addition, a lender may want to do a credit verification. This takes place to ensure that you have a reliable credit, and to determine the scopes of credit products to offer. Additional verification may be needed, including your driving license number, social security number, national ID or other documents that help with identification. Keep in mind that scopes vary from one lender to another based on various factors. These factors include the terms determined by each lender and credit standing of the applicant.


APR Representative

Annual Percentage Rate, or APR, is the loan rate that’s calculated for the annual term. Considering isn’t a lender and doesn’t own information about any detail of short-term loans offered by individual lenders, they can’t estimate the APR. So, the APR provided won’t be the exact one charged by any of the loan products lenders offer.


APRs are very different from one lender to another, one state to another and they depend on various factors, including the credit standing of an applicant. There may be additional charges associated with the loan offer. Some of these charges include late payment, late payment reporting, non-payment penalties, and debt collection actions.


These actions have nothing to do with our website. Moreover, we do not have any information about actions taken by the lenders. The financial and non-financial charges and actions can be disclosed in a particular agreement in a clean manner.


The APR is calculated as the annual charge, and it’s not a financial charge for a short-term loan.


Late Payment Implications

If something happens and you won’t be able to repay a loan on time, it is recommended you contact the lender. Once this happens, late payment charges and fees may be applied. Federal and state regulations may vary from one case to another, and they are determined for late payment cases. Information regarding costs and procedures when it comes to late payment should be discussed before signing any related document. So, make sure you review these with your lender, and they will be disclosed in the loan agreement.


Non-payment Implications

If you don’t pay a loan or miss the payment, there may be some financial and non-financial penalties. Any financial charges or fees in case of late payments should be disclosed in the loan agreement. Other actions related to non-payment, renewals, for instance, may be implied upon given consent. Renewal terms are going to be disclosed in each loan agreement individually. Keep in mind that renewal may also come with additional fees and charges.


Debt collection practices and any similar procedure will possibly be performed. Any action related to these practices is adjusted to the Fair Debt Collection Practices Act regulations. It is also adjusted to other applicable state and federal laws to ensure the consumers’ protection against negative borrowing and unfair lending experiences. Most lenders don’t refer to outside collection agencies. They will rather collect the debt through in-house means.


Late payment and non-payment may significantly impact a borrowers’ credit score and decrease it. Lenders may report these bad experiences to credit bureaus, including Transunion, Equifax, and Experian. If this happens, the consequences of late payment or non-payment will stay in a borrower’s credit reports for a certain amount of time.