Nevada Payday Loans


If you’re a Nevada resident thinking about getting a payday loan, it’s important that you first understand the laws governing this transaction. We offer comprehensive information about cash advance loans in the state, giving you the data you need to prepare for each transaction. The site strives to keep all the information provided here up to date and complete for all states in the country. Questions and feedbacks are always welcome and can be directed to the website’s customer service.

Payday Loan Process in Nevada

All payday loans take one week or less to process. Depending on the lender, borrowers may find themselves getting the asked for amount in just 48 hours or less. Before this happens however, lenders will require all applicants to meet the following requirements:

  • Applicant must be 18 years old and above
  • Must be a resident of Nevada
  • Must be currently employed
  • Must meet minimum salary requirements
  • Must have a checking or savings account

Lenders are also willing to accommodate individuals with bad debt. Applicants on welfare or those who are already retired may also borrow on the strength of their next check.

Nevada Payday Loan Laws and Regulations

The Nevada payday loan laws are put in place to promote fairness among lenders and protect consumers against seedy operations. As of date, here are the limitations set by the Nevada authorities:

  • Maximum Loan Amount: 25% of gross monthly income
  • Loan Term: Maximum of 30 days but can be extended to 90 days if participants agree on an installment payment plan
  • Finance Charge for $100 Loan in 14 Days: No Limit
  • Finance Charge for $100 Loan in 14 Days: No Limit
  • Repayment Plan: Allowed
  • Collection Fees: $25 for dishonored checks

There are no specific law governing rollovers and the number of outstanding loans allowed simultaneously. There is also no information provided regarding rollovers. Borrowers are advised to ask about these before pursuing the transaction.

Nevada Consumer Protection

Protecting yourself against excessive interest rates can be achieved by being aware of the different laws pertaining to the transaction. Borrowers are encouraged to read the fine print and clear any misunderstandings before placing their signature on the dotted line. For any questions and complaints, Nevada residents can call on the Nevada Financial Institutions Division.

Address: 2785 E. Desert Inn Road, Suite 180 Las Vegas NV 89121

Phone: (702) 486-4120

Fax: (702) 486-4563

Look For: Supervisory Examiner

The financial institution can also be contacted through email via their official website.

Any questions regarding lender validity can also be sent through the regulators.

Nevada Payday Loan Alternatives

To avoid climbing interest rates, borrowers can also seek out other payday loan alternatives. Perhaps the best answer would be to borrow from friends or family since they’re unlikely to enforce interest rates. Personal assets can also be sold off or simply pawned and reclaimed at a later date. Some employers are also open to cash advance loans to trusted employees. For larger monetary needs, a bank loan is usually best as they offer lower APR compared to payday loans.

Payday Loans cities in Nevada:

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