Loans By State

Best Loans in Nevada, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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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 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Nevada

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Nevada

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Nevada

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Nevada

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nevada

Not a direct lender

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nevada

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Nevada

Yes

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

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

Not a direct lender

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

Best Personal Loans for Good Credit in Nevada 2020

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

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

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

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

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Nevada

Yes

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

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

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

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Nevada

Yes

For a more comprehensive list, have a look at some of our recommended lenders.

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Payday Loan Laws in Nevada 2020

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.

However, similar to the installment loan regulations above, the Deferred Deposit Act places very few restrictions on licensed lenders. 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 for the purpose of artificially increasing the amount which a customer would otherwise qualify to borrow.”

Payday Loan Laws in Nevada by Country

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 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Nevada

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Nevada

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Nevada

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Nevada

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Nevada

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Nevada

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Nevada

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Nevada

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Nevada

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Nevada

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Nevada

Yes

Best Auto Loans for Good Credit in Nevada 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Nevada

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Nevada

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Nevada

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Nevada

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Nevada

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Nevada

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Nevada

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Nevada

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Nevada

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Nevada

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Nevada

Yes

FHA Loans in Nevada

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

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Nevada

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Nevada

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Nevada

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Nevada

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Nevada

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Nevada

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Nevada

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Nevada

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Nevada

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Nevada

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Nevada

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Nevada

Yes

All Licensed Credit Unions in Nevada

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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