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Best Loans in Nevada, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
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Unlike many other U.S. jurisdictions, Nevada’s Installment Loan Act allows lenders and borrowers to determine their credit terms. There are no maximum loan limits or finance charges, and indefinite terms can be negotiated.

However, licensed lenders are limited to charging a $20 annual fee and a $10 bad check fee.

Best Bad Credit Loans in Nevada of January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in Nevada:

Yes
Get started

To learn how bad credit loans differ from other types of loans, see our complete guide.

Best Personal Loans for Good Credit in Nevada of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Nevada:

Yes
Get started

Payday Loan Laws in Nevada of January 2025

Maximum Loan Amount: No limit

Minimum Loan Term: Not specified

Maximum Loan Term: 35 days

Maximum Fee: 25% of a borrower’s gross monthly income

Maximum APR: Averages 652%

Rollovers: Allowed

Loan Limit: No limit

Payday loans are legal in Nevada.

The Deferred Deposit Act places very few licensed lenders’ restrictions. Finance charges are determined by the lender and the borrower, though loan proceeds cannot exceed 25% of a borrower’s gross monthly income. Terms are capped at 35 days, and rollovers are allowed as long as the lender does “not grant a grace period to artificially increase the amount which a customer would otherwise qualify to borrow.”

Payday Loan Laws in Nevada by Country of January 2025

ElitePersonalFinance analysis of payday loan laws by countries in the State of Nevada.

We haven’t found a significant difference between the payday loan laws in Nevada. If you are with bad credit, here are the laws in Nevada by country.

City: Amount Allowed: APR Allowed: Status:
Las Vegas 25% of Monthly Gross Income No Limit Legal
Henderson 25% of Monthly Gross Income No Limit Legal
Reno 25% of Monthly Gross Income No Limit Legal
North Las Vegas 25% of Monthly Gross Income No Limit Legal
Paradise 25% of Monthly Gross Income No Limit Legal
Spring Valley 25% of Monthly Gross Income No Limit Legal
Sunrise Manor 25% of Monthly Gross Income No Limit Legal
Enterprise 25% of Monthly Gross Income No Limit Legal
Sparks 25% of Monthly Gross Income No Limit Legal
Carson City 25% of Monthly Gross Income No Limit Legal
Whitney 25% of Monthly Gross Income No Limit Legal
Pahrump 25% of Monthly Gross Income No Limit Legal
Winchester 25% of Monthly Gross Income No Limit Legal
Summerlin South 25% of Monthly Gross Income No Limit Legal
Sun Valley 25% of Monthly Gross Income No Limit Legal
Elko 25% of Monthly Gross Income No Limit Legal
Fernley 25% of Monthly Gross Income No Limit Legal
Mesquite 25% of Monthly Gross Income No Limit Legal
Spanish Springs 25% of Monthly Gross Income No Limit Legal
Boulder City 25% of Monthly Gross Income No Limit Legal
Spring Creek 25% of Monthly Gross Income No Limit Legal
Gardnerville Ranchos 25% of Monthly Gross Income No Limit Legal
Dayton 25% of Monthly Gross Income No Limit Legal
Cold Springs 25% of Monthly Gross Income No Limit Legal
Incline Village 25% of Monthly Gross Income No Limit Legal
Fallon 25% of Monthly Gross Income No Limit Legal
Winnemucca 25% of Monthly Gross Income No Limit Legal
Laughlin 25% of Monthly Gross Income No Limit Legal
Moapa Valley 25% of Monthly Gross Income No Limit Legal
Gardnerville 25% of Monthly Gross Income No Limit Legal
Johnson Lane 25% of Monthly Gross Income No Limit Legal
Indian Hills 25% of Monthly Gross Income No Limit Legal
Lemmon Valley 25% of Monthly Gross Income No Limit Legal
Silver Springs 25% of Monthly Gross Income No Limit Legal
West Wendover 25% of Monthly Gross Income No Limit Legal
Ely 25% of Monthly Gross Income No Limit Legal
Nellis AFB 25% of Monthly Gross Income No Limit Legal
Battle Mountain 25% of Monthly Gross Income No Limit Legal
Minden 25% of Monthly Gross Income No Limit Legal
Yerington 25% of Monthly Gross Income No Limit Legal

Best Auto Loans for Bad Credit in Nevada of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Nevada:

Yes
Get started

Best Auto Loans for Good Credit in Nevada of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Nevada:

Yes
Get started

FHA Loans in Nevada of January 2025

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
Carson City $361,100 $694,400
Churchill County $331,760 $638,100
Clark County $345,000 $663,450
Douglas County $460,000 $884,600
Elko County $331,760 $638,100
Esmeralda County $331,760 $638,100
Eureka County $331,760 $638,100
Humboldt County $331,760 $638,100
Lander County $331,760 $638,100
Lincoln County $331,760 $638,100
Lyon County $331,760 $638,100
Mineral County $331,760 $638,100
Nye County $331,760 $638,100
Pershing County $331,760 $638,100
Storey County $437,000 $840,400
Washoe County $437,000 $840,400
White Pine County $331,760 $638,100

Business Loans in Nevada of January 2025

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nevada:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Nevada:

Yes
Get started

All Licensed Credit Unions in Nevada of January 2025

Name: City: Size (Millions): Members:
ONE NEVADA CREDIT UNION Las Vegas $682.66 77274
SILVER STATE SCHOOLS FAMILY CREDIT UNION Las Vegas $653.53 60117
GREATER NEVADA CREDIT UNION Carson City $444.74 47886
CLARK COUNTY CREDIT UNION Las Vegas $480.84 33409
WESTSTAR CREDIT UNION Las Vegas $133.71 23734
BOULDER DAM CREDIT UNION Boulder City $459.15 21404
PLUS CREDIT UNION Las Vegas $85.25 15903
GREAT BASIN FEDERAL CREDIT UNION Reno $103.37 14845
ELKO FEDERAL CREDIT UNION Elko $109.39 12041
FINANCIAL HORIZONS CREDIT UNION Hawthorne $135.47 9684
FRONTIER FINANCIAL CREDIT UNION Reno $71.51 8153
MOAPA VALLEY FEDERAL CREDIT UNION Overton $64.41 6808
SIERRA PACIFIC FEDERAL CREDIT UNION Reno $75.03 5384
SONEPCO FEDERAL CREDIT UNION Las Vegas $54.38 4818
RENO CITY EMPLOYEES FEDERAL CREDIT UNION Reno $30.46 2604
S W G FEDERAL CREDIT UNION Las Vegas $19.06 2555
CHURCHILL COUNTY FEDERAL CREDIT UNION Fallon $44.07 2334
SPARKS CITY EMPLOYEES FEDERAL CREDIT UNION Sparks $13.34 1930
PAHRANAGAT VALLEY FEDERAL CREDIT UNION Alamo $18.23 1868
STAGE EMPLOYEES FEDERAL CREDIT UNION Las Vegas $13.58 1222
LAS VEGAS UP EMPLOYEES FEDERAL CREDIT UNION Las Vegas $4.52 1013
E. W. NO. 401 CREDIT UNION Reno $7.90 757
WHITE PINE COUNTY SCHOOL EMP FEDERAL CREDIT UNION Ely $1.11 353
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