Car title loans in Nevada
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Nevada title loan rules at a glance
| Governing law | NRS Chapter 604A, title loan provisions. (NRS 604A.105; 604A.5065 to 604A.5089) |
|---|---|
| Maximum loan | 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. (NRS 604A.5076(1), (4); 604A.5065) |
| Rate / fee cap | No APR cap on the original loan. After default, interest is limited to the largest Nevada bank's prime rate plus 10%, for up to 90 days, and post-term charges may not exceed the principal. (NRS 604A.5085(1)) |
| Maximum term | Original term up to 30 days, or up to 210 days for an installment-style title loan. (NRS 604A.5074(1), (3)) |
| Renewals | Up to six extensions of up to 30 days each. No new fees, no adding interest to principal, and no higher APR. (NRS 604A.5074(2)) |
| Repossession notice / right to cure | No repossession before default. Before repossessing or suing, the lender must offer a repayment plan, send written notice within 15 days of default, and keep the offer open at least 30 days. The plan must run at least 90 days after default. (NRS 604A.5072(2); 604A.5083) |
Title loans online in Nevada
You can start a Nevada title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Credit services / credit access businesses
Credit service organizations are regulated by the Nevada Mortgage Lending Division, not the Financial Institutions Division. (FID complaint guidance)
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arizona | Legal | — |
| California | Legal | — |
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| Oregon | Legal | — |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on… |
Title Loans by city in Nevada
Counties in Nevada
Show all 17 counties
Also see: Payday Loans in Nevada · Personal Loans in Nevada · All Nevada loan options
Frequently asked questions
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.
What interest can title lenders charge in Nevada?
No APR cap on the original loan. After default, interest is limited to the largest Nevada bank's prime rate plus 10%, for up to 90 days, and post-term charges may not exceed the principal.
When can a title lender repossess my car in Nevada?
No repossession before default. Before repossessing or suing, the lender must offer a repayment plan, send written notice within 15 days of default, and keep the offer open at least 30 days. The plan must run at least 90 days after default.
How much can I get for a title loan in Nevada?
The amount depends mainly on your vehicle's value, along with your income and Nevada rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
What do I need for a title loan in Nevada?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Nevada, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan on a financed car in Nevada?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Nevada will tell you what they can offer.
Can I get a title loan online in Nevada?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Nevada title loan request in about 3 minutes.