Payday & Title Loans in Nevada

Lending rules in Nevada

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

General rules

• A loan with an annual percentage rate above 40 percent is a high-interest loan under NRS 604A and needs a license. Source: Nev. Rev. Stat. 604A.0703 · verified Oct 8, 2026 · medium confidence

Payday loans (deferred presentment)

• A customer who already has a deferred deposit or high-interest loan can take another only if the combined amount does not exceed 25 percent of expected gross monthly income. Source: Approved Regulation R037-20, sec. 14(2)(b) · verified Oct 8, 2026
• The original term of a deferred deposit (payday) loan cannot be longer than 35 days. Source: Nev. Rev. Stat. 604A.501(1) · verified Oct 8, 2026 · medium confidence
• A licensee cannot extend, renew, refinance or consolidate a deferred deposit loan past 90 days after the loan was first made. Source: Nev. Rev. Stat. 604A.501(2) · verified Oct 8, 2026 · medium confidence
• A deferred deposit loan, together with the customer's other outstanding loans, cannot exceed 25 percent of the customer's expected gross monthly income. Source: Nev. Rev. Stat. 604A.5017(1) · verified Oct 8, 2026 · medium confidence
• A customer who asks before the loan is due, and has not had a plan in the past 12 months, is entitled to an extended payment plan of at least four payments. Source: Nev. Rev. Stat. 604A.5026(1)-(2) · verified Oct 8, 2026 · medium confidence
• The extended payment plan must run over at least 60 days. Source: Nev. Rev. Stat. 604A.5026(2)(b) · verified Oct 8, 2026 · medium confidence
• Before suing on a defaulted deferred deposit loan, the licensee must offer a repayment plan that stays open for at least 30 days after the default. Source: Nev. Rev. Stat. 604A.5027(1) · verified Oct 8, 2026 · medium confidence
• A customer can pay a deferred deposit loan in full at any time before the final payment is due without an extra charge or fee. Source: Nev. Rev. Stat. 604A.5024(1) · verified Oct 8, 2026 · medium confidence

Statewide loan database

• Before making a deferred deposit loan, title loan or high-interest loan, a licensee must query the statewide lending database (NRS 604A.303). Source: Approved Regulation R037-20, sec. 12(1) · verified Oct 8, 2026

Title loans

• The original term of a title loan cannot be longer than 30 days. Source: Nev. Rev. Stat. 604A.5074(1) · verified Oct 8, 2026 · medium confidence
• A title loan can be extended at most six times, each extension at most 30 days. Source: Nev. Rev. Stat. 604A.5074(2) · verified Oct 8, 2026 · medium confidence
• Interest cannot be added to the principal during an extension, the APR cannot rise, and no origination, set-up, late or other new fees may be charged for an extension. Source: Nev. Rev. Stat. 604A.5074(2) · verified Oct 8, 2026 · medium confidence
• A title loan can run up to 210 days only if it is repaid in fully amortizing installments, with no balloon payment and no extension. Source: Nev. Rev. Stat. 604A.5074(3) · verified Oct 8, 2026 · medium confidence
• A title loan cannot be more than the fair market value of the vehicle that secures it. Source: Nev. Rev. Stat. 604A.5076(1) · verified Oct 8, 2026 · medium confidence
• A customer can cancel a title loan by the close of business on the next business day at the location where it was made, without a cancellation fee. Source: Nev. Rev. Stat. 604A.5079(1)-(2) · verified Oct 8, 2026 · medium confidence
• Before suing on a defaulted title loan, the licensee must offer a repayment plan that stays open for at least 30 days after the default. Source: Nev. Rev. Stat. 604A.5083(1) · verified Oct 8, 2026 · medium confidence

Installment and consumer finance loans

• The original term of a high-interest loan (APR above 40 percent) cannot be longer than 35 days. Source: Nev. Rev. Stat. 604A.5037(1) · verified Oct 8, 2026 · medium confidence
• A high-interest loan can run up to 90 days only if it is repaid in fully amortizing installments, with no balloon payment and no extension. Source: Nev. Rev. Stat. 604A.5037(2) · verified Oct 8, 2026 · medium confidence
• A licensee cannot extend, renew, refinance or consolidate a high-interest loan past 90 days after the loan was first made. Source: Nev. Rev. Stat. 604A.5037(3) · verified Oct 8, 2026 · medium confidence
• The monthly payment on a high-interest loan, together with the customer's other loans, cannot exceed 25 percent of expected gross monthly income. Source: Nev. Rev. Stat. 604A.5045(1) · verified Oct 8, 2026 · medium confidence

Pawn loans

• A pawnbroker can charge at most 13 percent a month in interest on a pawn loan. Source: Nev. Rev. Stat. 646.050(1) · verified Oct 8, 2026 · medium confidence
• A pawnbroker can add an initial charge of $5 per loan on top of the interest. Source: Nev. Rev. Stat. 646.050(1) · verified Oct 8, 2026 · medium confidence
• Pawned property must be held for redemption for at least 90 days after the date of pledge. Source: Nev. Rev. Stat. 646.050(2) · verified Oct 8, 2026 · medium confidence
• A pawnbroker cannot charge more than $3 a day to store a motor vehicle held as collateral. Source: Nev. Rev. Stat. 646.050(4) · verified Oct 8, 2026 · medium confidence

Lenders in Nevada are licensed by the Nevada Department of Business and Industry, Financial Institutions Division (FID). See also online lenders and apps in Nevada.