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Washoe County, Nevada (NV)

Payday & Title Loans in Sparks, NV

3 lenders in Sparks, NV · 3 list hours · 2 open Saturday · 2 open Sunday · 3 verified in the last 30 days · + 1 reported, not yet verified

Looking for a payday or title loan near you in Sparks, Nevada? We list 3 lender locations in Sparks with addresses, phone numbers, opening hours and, where Nevada publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

Other lenders reported in Sparks

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Sparks lenders at a glance

Sparks, in Washoe County (population 111,520), has 3 lender locations in our directory: 1 payday loan store, 1 title loan store, 1 installment lender and 1 pawn shop (some stores offer more than one type), across 2 ZIP codes. The chains with the most stores here are Check City (1), EZPAWN (1) and OneMain Financial (1). Of the 3 stores that publish hours, 2 open on Saturday and 2 on Sunday. The nearest other city with lenders is Reno, about 7 miles away, with 9 locations.

County
Washoe County
ZIP codes with stores
89431, 89436
Hours (3 stores list them)
Open Saturday: 2
Open Sunday: 2
Open until 7 pm or later on weekdays: 1

Typical cost in Nevada

  • A title loan cannot be more than the fair market value of the vehicle that secures it. Source: Nev. Rev. Stat. 604A.5076(1) · medium confidence
  • A pawnbroker can charge at most 13 percent a month in interest on a pawn loan. Source: Nev. Rev. Stat. 646.050(1) · medium confidence

Rules for lenders in Sparks

Sparks has no local payday or title loan ordinance in our records, so Nevada state law applies.

  • 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

All rules: Nevada lending rules.

Questions people ask

How many payday loan stores are in Sparks, NV?

We list 1 payday loan store, 1 title loan store, 1 installment lender and 1 pawn shop in Sparks, checked against their sources as of October 8, 2026.

Are payday loans legal in Nevada?

Yes. Payday lenders operate in Nevada under state rules. For example: 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 (Approved Regulation R037-20, sec. 14(2)(b)).

Which lenders have the most stores in Sparks?

Check City (1 store), EZPAWN (1 store) and OneMain Financial (1 store).

Are any lenders in Sparks open on weekends?

Of the 3 stores that publish hours, 2 open on Saturday and 2 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. OneMain Financial branches (NV) · 1 location Last verified Oct 11, 2026
  2. EZPAWN store locator (NV) · 1 location Last verified Oct 11, 2026
  3. Check City branch pages (NV) · 1 location Last verified Oct 11, 2026
  4. Nev. Rev. Stat. 604A.0703 · General rules Last verified Oct 8, 2026 · medium confidence
  5. Approved Regulation R037-20, sec. 14(2)(b), Approved Regulation R037-20, sec. 12(1) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
  6. Nev. Rev. Stat. 604A.501(1), Nev. Rev. Stat. 604A.501(2) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  7. Nev. Rev. Stat. 604A.5017(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  8. Nev. Rev. Stat. 604A.5026(1)-(2), Nev. Rev. Stat. 604A.5026(2)(b) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  9. Nev. Rev. Stat. 604A.5027(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  10. Nev. Rev. Stat. 604A.5024(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  11. Nev. Rev. Stat. 604A.5074(1), Nev. Rev. Stat. 604A.5074(2), Nev. Rev. Stat. 604A.5074(3) · Title loans Last verified Oct 8, 2026 · medium confidence
  12. Nev. Rev. Stat. 604A.5076(1) · Title loans Last verified Oct 8, 2026 · medium confidence
  13. Nev. Rev. Stat. 604A.5079(1)-(2) · Title loans Last verified Oct 8, 2026 · medium confidence
  14. Nev. Rev. Stat. 604A.5083(1) · Title loans Last verified Oct 8, 2026 · medium confidence
  15. Nev. Rev. Stat. 604A.5037(1), Nev. Rev. Stat. 604A.5037(2), Nev. Rev. Stat. 604A.5037(3) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  16. Nev. Rev. Stat. 604A.5045(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  17. Nev. Rev. Stat. 646.050(1), Nev. Rev. Stat. 646.050(2), Nev. Rev. Stat. 646.050(4) · Pawn loans Last verified Oct 8, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.