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Title loans in Nevada

Title loans for bad credit in Nevada

Title loans are allowed in Nevada from state-licensed lenders (Title Loan license). Here are the limits Nevada law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Nevada guide

What Nevada law allows

Title loans in Nevada
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4] AllowedNo rate limit in state law No rate limit Not set by statute Up to 7 months Title Loan license NRS 604A.105; NRS 604A.5074 / former 604A.445
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

Title loans

Rate cap
"Title loan" is defined in NRS 604A.105 as, in substance, a loan secured by a vehicle title made above 35% APR; no general numeric APR cap otherwise applies (rate is set by contract, similar to payday/high-interest loans under the same chapter). During any extension period, the APR charged cannot exceed the APR charged during the original term, and no additional origination, set-up, collection, transaction, negotiation, handling, processing, late, or default fees may be charged in connection with an extension.
Fees
No extension-period fees beyond interest at the original-term rate; lender generally cannot extend credit beyond the vehicle's fair market value and must confirm borrower ability to repay.
License
Title Loan license under NRS Chapter 604A, issued by the Nevada Financial Institutions Division (FID).

Full detail for every loan type: Nevada lending laws.

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Rent and jobs in Nevada

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Nevada
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[5]$1,733FY2026
Unemployment rate[6]4.8%2026-08

Other options in Nevada

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Nevada.

Other loan types allowed in Nevada

See every loan type Nevada law allows.

Title loans in nearby states

  • CaliforniaAllowedHigh-cost loan 36% APR
  • UtahAllowedNo rate limit in state law No rate limit
  • IdahoAllowedNo rate limit in state law No rate limit
  • OregonAllowedHigh-cost loan 36% APR
  • ArizonaAllowedHigh-cost loan 204% APR (top tier)

Sources

  1. Public.Law. NRS 604A.105. Retrieved September 23, 2026.
  2. Public.Law. NRS Chapter 604A. Retrieved September 23, 2026.
  3. Justia. law.justia.com/codes/nevada/2024/chapter-604a/statute-604a-105. Retrieved September 23, 2026.
  4. fid.nv.gov. Nevada Department of Business and Industry, Financial Institutions Division (FID). Retrieved September 23, 2026.
  5. National Low Income Housing Coalition. Out of Reach 2026: Nevada. Retrieved September 23, 2026.
  6. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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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.