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Best Payday Lenders in Las Vegas, NV

Aug. 15, 2019, 8:17 p.m.

The payday loan industry is widely criticized as predatory because of high interest rates and fees. However, for people who need cash quickly but don't have more traditional resources, payday loan companies provide a necessary service. Our partners at ConsumerAffairs researched the best payday loans in Las Vegas to help you get funds before your next paycheck.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KTNV may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Speedy Cash

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Speedy Cash
Speedy Cash
Features
  • No prepayment penalties
  • Apply online, over the phone or in person
  • Over 150,000 loans funded
  • Available in Las Vegas
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#2
CashNetUSA
CashNetUSA
Features
  • Loans up to $500
  • Helped over 3 million customers
  • Apply online 24/7
  • Available in Las Vegas
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#3
Dollar Loan Center
Dollar Loan Center
Features
  • Installment loans up to $5,000
  • Live phone & online support
  • No prepayement penalty
  • Approval in minutes
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Location
2685 S. Eastern Ave.
Las Vegas, NV 89169
(866) 300-8666
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#4
Cash 1 Loans
Cash 1 Loans
Features
  • Installment loans from $100 to $1,500
  • Online application
  • Low credit accepted
  • Same-day cash
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Location
8450 W. Sahara Ave., Ste. 114
Las Vegas, NV 89117
(844) 831-4198
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Moneytree
Moneytree
Features
  • Open 24 hours
  • moneytreeinc.com/loans/nevada
Location
730 E. Flamingo Rd.
Las Vegas, NV 89119
(702) 458-9509
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Check City
Check City
Features
  • Open 24 hours
  • checkcity.com/locations/nevada
Location
631 N. Nellis Blvd.
Las Vegas, NV 89110
(702) 215-4400
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How to get a payday loan in Las Vegas

Las Vegas skyline

Payday loans in Las Vegas are an option during a financial emergency. Payday loan alternatives like traditional bank loans, borrowing from friends or family or creating a savings plan should always be tried first. However, if you find yourself in need of cash quickly and none of these options works, a payday loan may be your best bet.

Payday loans are legal and regulated by Nevada for the protection of consumers. However, the state does not cap the interest rate, According to the Center for Responsible Lending, Nevadans take out payday loans averaging an annual interest rate of 652 percent — one of the highest in the country.

Payday loan companies offer short-term loans that give you a cash advance on your paycheck in exchange for a postdated check or authorization to electronically withdraw funds on your payday. You can borrow up to 25 percent of your gross monthly income. Many payday loan companies in Las Vegas offer other types of loans, including:

  • Installment loans, which can be paid back over a longer period of time
  • Title loans, which use your vehicle as collateral

It’s important to fully understand the terms of your payday loan so you can avoid excessive fees later on. Rolling over one loan into another because you cannot pay it on time can result in what consumer protection advocates call a “debt trap.” It can lead to long-term debt and ruined credit, though it is against the law for you to go to jail over failure to repay.

Only you can decide which option is best for your financial situation. Typically, you’ll need the following to apply for a payday loan:

  • Valid ID
  • Proof of income
  • Checking account information
  • Phone number

Many payday loan companies in Las Vegas will let you complete the entire application process online. Others require an in-store visit. Whichever company you work with, a payday loan is fast and will have cash in your hands in a matter of hours, if not minutes.

Speedy Cash

Speedy Cash VISIT WEBSITE

Speedy Cash has more than a dozen locations across the valley and offers payday loans up to $1,500 online and $2,500 in stores. Customers can apply in minutes and get an instant lending decision, then get funds within 24 business hours. If you visit one of the Las Vegas locations, money is available immediately. Reviewers like that Speedy Cash secures their personal information and provides great customer service.

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CashNetUSA

CashNetUSA VISIT WEBSITE

CashNetUSA, an online lender, has helped more than 3 million people across the country with financial needs. Applicants in Las Vegas can get up to $850 in same-day funding and get access to retail coupons and free financial education courses. The company has an in-house customer service team available to answer questions seven days per week. Reviewers have been pleased with the borrowing experience and recommend CashNetUSA to others.

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Dollar Loan Center

Dollar Loan Center

Dollar Loan Center, with more than 50 locations across Nevada and Utah, offers short-term signature loans and title loans. The company guarantees to beat the rate of any short-term loan company in Las Vegas, or your loan is free. Apply completely online or visit a Las Vegas location. Live phone and online support are available. Reviewers say staff are knowledgeable, friendly thoroughly answer questions.

Cash 1 Loans

Cash 1 Loans

Las Vegas customers can apply online, by phone or in person for an installment loan up to $1,500 or a title loan up to $50,000 from Cash 1 Loans. Terms for installment loans are 90 days, and there are no prepayment penalties. Approval is given in as little as 15 minutes, with no check of your credit score. Reviewers praise employees of Cash 1 Loans for being polite and patient, and they love how easy the entire process is.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.