Loans in Nevada: payday, personal & title loan laws (2026)

In Nevada, payday loans are legal, car title loans are legal, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 17 counties and 24 cities with 10,000+ residents.

Request a payday loan in Nevada

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1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Legal

Payday (deferred deposit) loans are legal in Nevada from lenders licensed under NRS Chapter 604A.

Personal Loans

No general rate cap; loans above 40% APR need a 604A high-interest license.

Title Loans Legal

Title loans (APR over 35%, secured by a vehicle title) are legal from lenders licensed under NRS 604A.

Nevada at a glance

3,184,612

Residents

$78,260

Median household income

402

FDIC bank branches

131

Credit-union branches

Counties in Nevada

Carson City Churchill County Clark County Douglas County Elko County Esmeralda County Eureka County Humboldt County Lander County Lincoln County Lyon County Mineral County Nye County Pershing County Storey County Washoe County White Pine County

Cities in Nevada

Frequently asked questions

Are payday loans legal in Nevada?

Payday (deferred deposit) loans are legal in Nevada from lenders licensed under NRS Chapter 604A. The state sets no interest-rate cap; the main limit is that the loan cannot exceed 25% of the borrower's expected gross monthly income.

How much can you borrow with a payday loan in Nevada?

A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the borrower's expected gross monthly income. There is no fixed dollar cap.

How much do payday loans cost in Nevada?

Nevada sets no cap on the interest rate or fee for a payday loan.

Are title loans legal in Nevada?

Title loans (APR over 35%, secured by a vehicle title) are legal from lenders licensed under NRS 604A. There is no rate cap, but the loan cannot exceed the car's fair market value and terms are limited.

How much can you get for a title loan in Nevada?

A title loan may not exceed the fair market value of the vehicle. The lender must check ability to repay, and the borrower signs an affidavit about income.

Is there a cap on personal loan interest rates in Nevada?

No general rate cap; loans above 40% APR need a 604A high-interest license.

Do personal loan lenders need a license in Nevada?

Anyone in the business of lending in Nevada needs a license from the Commissioner, for each office. Deferred deposit, high-interest and title loans need a separate 604A license.