****Last Revised– 4/22/22****
Recent state regulations have forced a few companies to shut down their online lending operations. This includes many local lenders that also offered online payday loans in Las Vegas. 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 should be lending again soon.
These lenders provide payday loans in Vegas:
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 cash 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.
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. They 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 loan or an online installment loan. Nevada residents can expect loan amounts up to 25% of their gross monthly income and your loan term will range from 35-90 days.
Loan Center
They are a direct lender in Nevada that offers online personal loans of $2,500 to $4,000 with a flexible payoff term of 6 months to 2 years. You will need to show a fair to good credit score of around 640 with proof of monthly income of 3k and up to qualify. Loan Center will check your credit report when you apply, but the initial inquiry will never affect your credit score.
Blue Trust Loans
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 require direct deposit that goes into a bank account. Returning customers can also qualify for their Club Blue Rewards Program.
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 personal loan. One of the largest sites for online loans in Nevada is Fast Loans. 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.
Opploans
Opploans is a lender that recently started providing online 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 of up to 36 months. You can improve your credit score with Opploans as they report monthly payments to the credit bureaus. Opploans claims to offer lower interest rates when compared to traditional car title loans and online payday loans.
Check Into Cash
Check Into Cash 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. Check Into Cash 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.
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.
Loan by Phone
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 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 loans of $2,000 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 complete a loan transaction 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 Loans Las Vegas
Payday Loans Las Vegas has a quick approval process for Nevada consumers regardless of having credit difficulties or no credit at all. They offer online payday loans near me 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 10%. Unlike a typical payday loan, they use your past credit history and revolving debt amounts to determine the financial terms in Las Vegas, NV. MoneyLion claims to have a “best rate promise for payday loans Las Vegas” and free credit monitoring for any eligible applicant.
MoneyTree
MoneyTree 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. This payday lending company claims to have more payment options and lower finance charges compared to other Las Vegas payday loan companies and financial institutions. They feature same day cash wired to your account upon the approval of an application. Contact them through their website or phone number to get more info on their current lending terms and APR.
CashNetUSA
CashNet has provided online payday loans for years, and they also have around a dozen check cashing storefront locations in the Las Vegas & Henderson area. 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 June for 15% off your initial underwriting fees.
Cash Central
Cash Central is a longtime payday lender that’s licensed to offer payday loans and installment loans in Nevada. 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 2022 to get 20% off fees on your first payday loan.
Swift Loans
Swift Loans 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 $1,200 a month. Per their website, you can be eligible for a Las Vegas payday loan with poor credit, past bankruptcies, or bounced checks. While their fast cash loans are not a long term financial solution for unexpected expenses, their rates and APR are lower than other similar lenders.
How to get payday loans near me in Las Vegas
The process of getting a payday loan in Las Vegas, or anywhere throughout Nevada is very simple. First, you need to be sure a payday loan is your best choice during a financial crisis. Always consider traditional bank loans or borrow money from friends and family before you take out a payday loan. Once you decide a payday loan is your best bet, you’ll want to fill out an application. Do this online, over the phone, or in person.
A lender will require the following information when you first apply
Valid ID such as drivers license or passport
Contact number and physical address in the state of Nevada
Proof of income and employment information(this will often be verified)
Bank details such as checking account information(for direct deposit)
How much can you borrow with a payday loan in Las Vegas
Payday loans in the state of Nevada are available for up to $4,000. You will need to qualify for higher amounts and these requirements are based on factors such as your credit report, income, and ability to pay back the amount borrowed. Borrow at higher amounts with installment loans in Las Vegas where applicable.
Why work with Nevada Payday Lenders
Nevada Payday Lenders is here to help you find the best short term lender for your situation. Whether that’s a Las Vegas payday loan provider near your neighborhood or an online company that offers loans throughout the state. We’re not locked into one specific interest rate or payoff term as you would see with one direct lender. With the many Las Vegas lenders shown above, you can compare different loan options and payments that best fit your budget and needs.
How much should I expect to pay for a payday loan
The costs for a payday loan will vary based on the amount you borrow and the specific loan terms you agree to. Regardless of this, payday loans in Las Vegas are expensive and you can expect an APR (Annual Percentage Rate) to be well over 100%. Payday loans near me are expensive and you will benefit most by paying off the full amount borrowed as quickly as possible. A payday loan and installment loan should only be used for a financial emergency. All short-term loan offers are not viable long-term solutions.
