Payday loans in Nevada
Lenders licensed under NRS Chapter 604A can provide legal Payday (deferred deposit) loans in Nevada, with limits on size and length but no fee cap.
- Payday lending
- Allowed
- Max cost
- None in the law
- Top amount
- The customer's expected gross monthly income sets a ceiling: the loan and any other outstanding loans combined must not go over 25 percent of it.
Are payday loans legal in Nevada?
Yes, Nevada permits payday loans from lenders holding a license under the Nevada Deferred Deposit, High-Interest, and Title Loan law. There is no cap on interest or fees in Nevada. Instead, the sum of all your current loans cannot go over 25 percent of your expected gross monthly pay before taxes. No original loan term may last longer than 35 days, while any renewal or extension must conclude within 90 days of the start date.
Against Check City, the Nevada Supreme Court decided in 2014 that fees and interest count toward this 25 percent limit, not only the borrowed amount. Online lenders also need a license in your home state. The loan is void when a lender willfully breaks this law, so the company cannot collect fees, interest, or the original loan amount. Be sure your full payoff does not pass the 25 percent limit, and look up the lender's license at the Nevada Financial Institutions Division.
- Since Nevada has no usury law, loan size and term face statutory caps while the fee does not.
- Expected gross monthly income limits loan size, as all outstanding loans combined may not surpass 25 percent of that amount.
- Fees and interest count toward the 25 percent cap, not just principal, per a 2014 Nevada Supreme Court ruling against lender Check City.
- Under NRS 604A.303, the state operates a lender database effective February 1, 2022, which recorded 549,182 loans in 2024.
- Willful violations of the chapter make a loan void, preventing the lender from collecting fees, interest or principal.
Nevada payday loan laws
- Law in force
- Nevada Deferred Deposit, High-Interest and Title Loan law (NRS Chapter 604A)
- Cited as
- Nev. Rev. Stat. Chapter 604A (NRS 604A.501 through 604A.5027 cover deferred deposit loans)
- Fees under the law
- none: no usury law exists in Nevada, and these loans have no statutory cap on interest rates.
- Most you can borrow
- The customer's expected gross monthly income sets a ceiling: the loan and any other outstanding loans combined must not go over 25 percent of it.
- How long a loan runs
- The original term is 35 days; no extension or repayment arrangement may continue beyond 90 days after origination.
- Rollovers
- Only within 90 days from the loan's start are extensions, renewals or refinancing allowed.
- Loans you can hold at once
- Strict conditions must be met to have more than one loan from the same licensee, with all loans staying within the 25 percent of income limit.
- Repayment plan
- With no added interest or fees, you can request one extended payment plan per 12 months before the due date, covering at least 60 days and at least four payments.
- Installment lending limits
- No law caps the rate; loans above 40 percent APR fall under NRS 604A as regulated high-interest loans.
Also checked against a 2014 Nevada Supreme Court opinion, FID v. Check City, posted on fid.nv.gov: it confirms the 25 percent income cap and the 35 day term and notes the absence of a rate cap. Full statute text.
Online lenders that list Nevada
Ten companies we track say they lend in Nevada: 3 online installment lenders, 6 tribal lenders and 1 loan broker.
| Lender | Kind | Posted APR |
|---|---|---|
 NetCredit | Installment | 34.99% to 99.99% |
 OppLoans | Installment | 99% to 195% |
 Rise Credit | Installment | 60% to 299% |
 Viva Payday Loans | Broker | Partner lenders quote 4.99% to 1,386% |
Tribal loans in Nevada
Under Nevada law, lenders offering deferred deposit loans through websites need licenses in each customer's state, and loans issued in willful violation of the chapter are void.
On the immunity claim tribal lenders make, see are tribal loans legal.
Six tribal lenders we track list Nevada as a state they lend in. Three of the six publish an APR, from 73.7% to 725%.
| Lender | Posted APR |
|---|---|
 Mobiloans | 73.7% to 405% |
 Spotloan | 99% to 490% |
 BrightLending | 325% to 725% |
 MaxLend | Not published |
 Minto Money | Not published |
| American Web Loan | Not published |
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Nevada and the states around it
| State | Payday lending | Max cost | Top amount |
|---|---|---|---|
| Nevada | Allowed | None in the law | The customer's expected gross monthly income sets a ceiling: the loan and any other outstanding loans combined must not go over 25 percent of it. |
| Arizona | Banned | None in the law | None allowed |
| California | Allowed | $17.65 per $100 borrowed | The check itself can be written for no more than $300. |
| Idaho | Allowed | None in the law | No more than 25% of your gross monthly income may be borrowed, with a principal limit of $1,000. |
| Oregon | Allowed | None in the law | The payday loan definition sets a $50,000 ceiling and no other dollar limit; rules also cap lending at 25% of monthly net income when a borrower's yearly earnings are $60,000 or under. |
| Utah | Allowed | None in the law | no limit in state law |
Nevada loans with no credit check
Installment loan rates: No law caps the rate; loans above 40 percent APR fall under NRS 604A as regulated high-interest loans.
See no credit check loans: the checks lenders still run, and the price.
Verify a lender's license in Nevada
- Look the lender up on the license list before you hand over any bank details.
- Lenders here answer to the Nevada Department of Business and Industry, Financial Institutions Division (FID).
- Had trouble with a lender? Report the lender.
Sources for Nevada
- The original term for a deferred deposit loan cannot go beyond 35 days; The loan term for extensions, renewals, or refinancing cannot go beyond 90 days after origination.; Your total debt from this loan and others cannot be more than 25% of your expected gross monthly incomeleg.state.nv.us
- Nevada sets no legal limit on interest rates; The Nevada Supreme Court decided that the 25% cap covers both fees and interestfid.nv.gov
- The database for lenders became active on February 1, 2022; The database recorded 549,182 loans during 2024; Deferred deposit loans made up 134,243 of that totalfid.nv.gov
- To find deferred deposit licenses, the FID directs users to NMLS Consumer Access.fid.nv.gov
- The FID accepts complaints regarding payday loan and check cashing firmsfid.nv.gov