****Last Revised– 1/6/21****
Recent state regulations have forced a few companies to shut down their online lending operations. This includes many local payday lenders that also offered online loans. With that, Nevada still ranks as one of the best states to live in if you need an online loan. Check back with us throughout the year as more companies may be lending again soon.
These lenders provide installment or payday loans in Vegas:
My Payday Loan:
MyPaydayLoan is a large online lender that’s offered payday loans in Nevada for years. Per their website, they offer the largest funding amounts in Las Vegas and never require bank statements for loans under $400. Also, they recently streamlined their online application system. Mypaydayloan claims that Nevada residents are now more than twice as likely to see approval for an online loan. Bad credit won’t be an issue, but to qualify for a loan you can’t have any active cash advances in default. Applicants also need a valid checking account as they won’t accept a savings account.
Cash USA:
Large online payday loan company with a strong presence in Las Vegas. Claim to never do a credit check and will generally qualify you for an online loan if you have a checking account and take home at least $1250 a month. Also, they say you won’t need to fax in any information when you apply for a payday loans or an online installment loan. Nevada residents can expect a loan amount of up to 25% of your gross monthly income and your loan term will range from 35-90 days.
BlueTrustLoans.com:
They currently offer online installment loans for Nevada citizens of $100 to $2,500. These online personal loans are often issued with a 6 month payment term of weekly or monthly payments. A local citizen can qualify for a loan if they can show a recent history of employment income. They will also need direct deposit that goes into a bank account. Returning customers can also qualify for their Club Blue Rewards Program, see site for more information.
Opploans:
Opploans is an online lender that recently started providing long term installment loans in Las Vegas and throughout Nevada. Their minimum loan amount is $1,000. Qualified borrowers can choose a payoff term of their choosing up to 36 months. You can improve your credit score with Opploans as they report monthly payments to the credit bureaus. Opploans claims to have lower interest rates when compared to traditional car title loans and payday loans.
Are you looking for more money than what a typical online payday loan offers? If you have decent credit you should consider applying for an online installment loan. With this type of loan you request a larger cash amount (usually 1k to 10k in Nevada depending on the lender). You can also get a lower interest rate when compared to a traditional payday advance. One of the largest sites for online loans in Nevada is FastLoans. They can sometimes get Las Vegas residents, or anyone in the State of Nevada approved within an hour. They also have online help and 24/7 customer service.
CheckIntoCash:
CheckIntoCash may be the largest direct payday lender in the country. They’ve been providing online payday loans and title loans for well over a decade with competitive rates and the easiest online application process in Nevada. They’re funding online loans up to $1,000 for first time applicants. CheckIntoCash doesn’t have any physical cash advance locations in Las Vegas, but all residents are eligible to apply online or over the phone. You must have a valid checking account that’s been open for at least 90 days to be approved.
Max Lend:
Max Lend is an online only lender that claims to offer an alternative option to payday loans. Residents of Nevada can be approved for cash loans of a few hundred dollars all the way up to a few thousand. Qualified borrowers can receive money by the next business day in most situations. You will need to provide a verified source of income and show proof of an open and active checking account when you apply.
Check City:
Check City offers short term payday loans and retail loans in Nevada. They have offices throughout the state and have offered cash advances to Nevada residents since 1989. Their online payday advances will range from $100 to $2,500 for Nevada consumers. Your loan payoff term cannot exceed 35 days and the amount you borrow cannot exceed 25% of your gross monthly income. Their online loans have low fees with reasonable payoff times, even with poor credit or past delinquencies.
LoanbyPhone:
LoanbyPhone is a state licensed lender that provides online payday loans of up to $500 in Nevada. You have the option of completing the application entirely online at your own pace. As their name says, you can also call in and have someone walk you through the application and underwriting process.
Running into problems being approved for a cash advance loan? Many cash advance companies on this page may not lend to consumers in Nevada with bad credit and a negative Chexsystem reports. With that, if you need other options or if you can’t find a bad credit lender for whatever reason then you should check out Online Lender Network. They partner with dozens of payday lenders that fund loans between $200 and $1,000 for customers in Las Vegas & the entire state of Nevada for that matter. They can usually find a short-term loan for anyone regardless of their financial situation.
Upstart Personal Loans:
Upstart funds direct personal loans of $2000 and higher with an APR range of 12-36%. An Upstart installment loan is not your best option if there’s a history of bad credit. Las Vegas residents will need decent credit to get an online loan with them. Terms with Upstart range from 24 months to 36 months. There’s never a pre-payment penalty for borrowers who want to pay off the loan sooner.
Payday Direct USA
Payday Direct promises a quick approval process for Nevada consumers regardless of having credit difficulties or no credit at all. They offer online payday loans and installment loans that max out at $3,000 for consumers all across the United States. Member of the Online Lender Alliance with access to same day cash advance options & an automated online application. Once approved, you can get cash fast by direct deposit or have it loaded on a prepaid card.
MoneyLion
MoneyLion is a nationwide lender of low-interest signature loans to Nevada residents with fair to good credit. These loans will range from $1,000 to $30,000 and you can expect a payoff term of 1 to 3 years with an interest rate as low as 7%. Unlike a typical payday loan, they use your past credit history and revolving debt amounts to determine the long term financial terms in Las Vegas, NV. MoneyLion claims to have a “best rate promise” and free credit monitoring for any eligible applicant.
National Payday Loan Services
National has been providing Las Vegas payday loans for the past decade. Based on their site data it seems they have a very high approval rate for Las Vegas consumers. National claims to have more payment options and lower finance charges compared to other Las Vegas payday loan companies and financial institutions. They also offer same day cash wired to your account upon approval of an application. Reach out to them through their website or phone number to get more info on their current short term lending terms and APR.
CashNetUSA
CashNet has provided online payday loans for years, and they also have around a dozen storefront locations in the Las Vegas & Henderson area. As of 2020, Nevada residents can borrow up to $1500 and your loan will be due anywhere from 7 to 35 days out. You can extend your payday loan for up to 60 days after the due date. Cashnet has a promotion in place for local customers. Use code “A15CASH” anytime through February for 15% off your initial underwriting fees.
Cash Central
Cash Central is a longtime payday lender that’s licensed to offer payday loans in Nevada. They also started offering installment loans to Nevada consumers as of early 2019. They have an easy 3-step phone or online application process for a cash advance of $300 to $1,200 for Nevada residents. The final loan amount will be based on your individual needs and underwriting. The payoff term can be no shorter than 4 days and no longer than 35 days. Use code “FB1020” anytime in 2020 to get 20% off fees on your first payday loan.
SwiftLoans
SwiftLoans offers payday loans Las Vegas, online cash advances, and title loans for consumers all across the state. To qualify for an online loan you need to have a job and make at least $1200 a month. Per their website, you can be eligible for a Las Vegas payday loan with poor credit, past bankruptcies or bounced checks. While these cash loans are not a long term financial solution for unexpected expenses, their rates and APR are lower than other similar lenders.
Springleaf
Springleaf has provided Nevada payday loan services for years. They’re a huge company that’s listed on the NY stock exchange with over 3 million installment loans issued since the company’s start. Springleaf offers online installment loans that start at $3000 for qualified consumers in Las Vegas. They also have a handful or retail locations in the state where you can receive cash that same day. Pay off the full amount in one to two years and there’s no pre-payment penalty or further increase in the annual percentage rate. You’ll need to show a decent credit score to start the approval process.
Use this list to find the best online payday loans in Las Vegas
