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What Nevada law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | Allowed | No numeric cap | Not set by statute | Up to 35 days | Deferred Deposit Loan / High-Interest Loan license under NRS Chapter 604A, issued by... | NRS Chapter 604A; NRS 604A.5074; NRS 604A.5037 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
The rules in full
Payday loans
- Rate cap
- No general statutory APR cap for deferred deposit loans or high-interest loans under NRS 604A; APR is set by contract. NRS 604A regulates term length, extensions, collection limits, and (since AB 118, 2023) requires an ability-to-repay analysis so payments generally cannot exceed 25% of the borrower's gross monthly income. Original term of a high-interest/deferred-deposit loan must not exceed 35 days (up to 90 days if fully amortizing installment structure with no balloon payment and no extensions).
- Fees
- Fee limitations exist in NRS 604A.5031, 604A.5061, and 604A.5094; no proceeds of a new high-interest/deferred-deposit loan may be used to pay off an outstanding high-interest loan except under specified conditions (NRS 604A.5057).
- License
- Deferred Deposit Loan / High-Interest Loan license under NRS Chapter 604A, issued by the Nevada Financial Institutions Division (FID).
Full detail for every loan type: Nevada lending laws.
Help in Nevada
Money snapshot for Nevada
Other options in Nevada
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Nevada: allowed under Nevada law; see its limits and license rules.
- Installment loans in Nevada: allowed under Nevada law; see its limits and license rules.
- Personal loans in Nevada: allowed under Nevada law; see its limits and license rules.
- Title loans in Nevada: allowed under Nevada law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Nevada.
Payday loans in nearby states
- CaliforniaAllowed Not verified
- UtahAllowed No numeric cap
- IdahoAllowed No numeric cap
- OregonAllowed 36% APR
- ArizonaNot allowed Not allowed
Sources
- Public.Law. NRS Chapter 604A. Retrieved September 23, 2026.
- Justia. law.justia.com/codes/nevada/chapter-604a/statute-604a-5074. Retrieved September 23, 2026.
- fid.nv.gov. Nevada Department of Business and Industry, Financial Institutions Division (FID). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Nevada. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Nevada. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Nevada? Contact the Nevada Department of Business and Industry, Financial Institutions Division (FID) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.