Payday loans in Reno, NV
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Reno, NV.
The median household in Reno earns $80,760 a year, about the same as the Nevada median of $78,260. About 13% of residents live below the federal poverty line, and 50.2% of households rent their home. When an unexpected bill hits before payday, Reno residents can request $100 to $1,000 online in minutes.
Nevada law that applies in Reno
| Maximum loan | 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. |
|---|---|
| Fee cap | Nevada sets no cap on the interest rate or fee for a payday loan. |
| Rollovers | Repaying, renewing or refinancing a payday loan may not stretch the loan past 90 days from the date it was made. |
| Loans at once | Generally one loan at a time: a lender may not make a new loan while an existing one is unpaid unless listed conditions are met. |
| Payment plan | Before suing on a defaulted loan, the lender must offer a repayment plan, open for at least 30 days after default, with the first payment no more than 20%. |
Full rules with statute citations: Payday Loans in Nevada. Cities in Nevada cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Reno
Most Reno applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Reno
What Reno borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in Reno
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Nevada.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Nevada does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Reno
48 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 11 | 490 California Ave, Reno 89509 |
| Bank of America, National Association | 8 | 1830 S Virginia St, Reno 89502 |
| U.S. Bank National Association | 7 | 300 S Virginia St, Reno 89501 |
| JPMorgan Chase Bank, National Association | 5 | 18300 Wedge Pkwy, Reno 89511 |
| Glacier Bank | 4 | 2330 S Virginia St, Reno 89502 |
| Zions Bancorporation, N.A. | 3 | 1 W Liberty St, Reno 89501 |
| Columbia Bank | 3 | 3490 S Virginia St, Reno 89502 |
| BMO Bank National Association | 1 | 4950 Kietzke Ln, Reno 89509 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Reno
20 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 1181 Steamboat Pkwy, Reno 89521 |
| America First | 50 W Liberty St Ste 100, Reno 89501 |
| United | 980 Ambassador Dr, Reno 89523 |
| Operating Engineers Local Union #3 | 1290 Corporate Blvd, Reno 89502 |
| Greater Nevada | 6745 Sierra Center Pkwy, Reno 89511 |
| One Nevada | 1296 E Plumb Ln Ste A, Reno 89502 |
| Great Basin | 9770 S Virginia St, Reno 89511 |
| Weststar | 394 E Moana Ln, Reno 89502 |
| Sierra Pacific | 6100 Neil Rd Ste 150, Reno 89511 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Washoe County · Personal Loans in Reno · Title Loans in Reno
Frequently asked questions
Can I get a payday loan in Reno, NV?
Payday (deferred deposit) loans are legal in Nevada from lenders licensed under NRS Chapter 604A. You can request one online from Reno through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Reno?
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 fast can I get a payday loan in Reno?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Reno residents can see their options with our 3-minute form.
How much does a payday loan cost in Reno?
Nevada sets no cap on the interest rate or fee for a payday loan. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Reno borrowers in about 3 minutes.
Where can I get a payday loan in Reno?
You can visit a storefront in Reno or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Reno residents can see if they qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Reno residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Reno?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.