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Payday Loans in Las Vegas, NV: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Yes, payday loans are legal in Las Vegas. Nevada allows licensed lenders to offer deferred deposit loans under state law, with no strict fee cap and terms up to 35 days. For a household earning the median income of about $74,450, a $500 loan might seem small, but the cost adds up fast.
Borrow that $500 for 14 days and you'll pay $75 in fees, repaying $575 total. That works out to about 391% APR. The law lets you roll the loan over, extending up to 60 days total, which means fees can stack if you can't repay on time. With median rent at $1,583 and a poverty rate of 14.4%, many Las Vegas residents face tight budgets where one shortfall leads to repeated borrowing.
Clark County · Las Vegas-Henderson-North Las Vegas, NV metro area
Las Vegas borrowers and Nevada payday laws
- Max loan amount
- 25% of gross income
- Min loan term
- N/A
- Max loan term
- 35 days
- Finance charge cap
- No strict state limit
- Max absolute fee
- N/A
- Typical APR
- ~652%+
- Rollovers (extensions)
- Permitted (up to 60 days total)
- Simultaneous loans
- No state limit
- Right to rescind
- Next business day
- Governing law
- Nevada Deferred Deposit Loan Law
- Regulator
- NV Fin. Inst. Div.
Payday loan cost calculator for Las Vegas
Move the sliders to see what a payday loan would cost under Nevada rules and how it compares with local incomes.
Example range up to $1,000
Nevada sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Las Vegas
- 2.6%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Las Vegas, NV
Licensed storefront lenders in Las Vegas with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the NV Fin. Inst. Div. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 3675 S. Rainbow Blvd, Suite 100 Las Vegas, NV 89103 | (702) 251-1536 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 4001 S. Decatur Blvd, Suite 7 Las Vegas, NV 89103 | (702) 251-1532 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 560 N. Nellis, Ste. E-5 Las Vegas, NV 89110 | (702) 459-0724 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 6433 W Charleston Blvd Las Vegas, NV 89146 | (702) 475-9217 | — | 5.0 |
| 1149 E Desert Inn Rd ste b & c Las Vegas, NV 89109 | (702) 940-3900 | — | 4.9 |
| 1995 N Nellis Blvd C Las Vegas, NV 89115 | (702) 413-0280 | — | 4.9 |
| 4625 E Tropicana Ave Las Vegas, NV 89121 | (702) 442-0220 | — | 4.9 |
| 6883 S Eastern Ave ste 400 Las Vegas, NV 89119 | (702) 438-2274 | — | 4.9 |
| 8450 W Sahara Ave #114 Las Vegas, NV 89117 | (702) 869-5599 | — | 4.9 |
| 865 N Lamb Blvd #16 Las Vegas, NV 89110 | (702) 437-1234 | — | 4.9 |
| 3209 W Sahara Ave Las Vegas, NV 89102 | (702) 889-0003 | — | 4.8 |
| 6708 W Cheyenne Ave Las Vegas, NV 89108 | (702) 644-6700 | — | 4.8 |
| 6510 N Buffalo Dr Las Vegas, NV 89131 | (702) 360-8800 | — | 4.9 |
| 2475 S Jones Blvd #2 Las Vegas, NV 89146 | (702) 876-8822 | — | 4.8 |
| 4035 S Durango Dr Las Vegas, NV 89147 | (702) 216-3777 | — | 4.8 |
| 5861 W Craig Rd #104 Las Vegas, NV 89130 | (702) 215-4444 | — | 4.8 |
| 6020 W Flamingo Rd Ste B1 Las Vegas, NV 89103 | (702) 367-7800 | — | 4.8 |
| 631 N Nellis Blvd Las Vegas, NV 89110 | (702) 215-4400 | — | 4.8 |
| 6510 Boulder Hwy #101 Las Vegas, NV 89122 | (702) 777-1888 | — | 4.8 |
| 7350 W Cheyenne Ave #111/112 Las Vegas, NV 89129 | (702) 216-5888 | — | 4.8 |
| 9425 W Tropicana Ave Ste 104 Las Vegas, NV 89147 | (702) 562-2200 | — | 4.8 |
| 1280 E Silverado Ranch Blvd #110 Las Vegas, NV 89183 | (702) 487-5000 | — | 4.7 |
| 1990 N Rainbow Blvd Las Vegas, NV 89108 | (702) 216-1777 | — | 4.7 |
| 3210 S Nellis Blvd Unit 100 Las Vegas, NV 89121 | (702) 685-4500 | — | 4.7 |
| 4455 E Tropicana Ave Las Vegas, NV 89121 | (702) 215-4300 | — | 4.7 |
| 6382 W Lake Mead Blvd Las Vegas, NV 89108 | (702) 636-2888 | — | 4.7 |
| 6820 W Charleston Blvd Las Vegas, NV 89117 | (702) 880-5300 | — | 4.7 |
| 7910 S Rainbow Blvd #135 Las Vegas, NV 89139 | (702) 815-1888 | — | 4.7 |
| 8030 Blue Diamond Rd Las Vegas, NV 89113 | (702) 998-9000 | — | 4.7 |
| 8505 S Eastern Ave #104 Las Vegas, NV 89123 | (702) 869-8777 | — | 4.7 |
| 8520 W Warm Springs Rd Las Vegas, NV 89113 | (702) 216-8999 | — | 4.7 |
| 4125 S Eastern Ave Ste 101 Las Vegas, NV 89119 | (702) 566-5777 | — | 4.6 |
| 4348 E Craig Rd #100 Las Vegas, NV 89115 | (702) 216-0900 | — | 4.6 |
| 5270 S Procyon St Las Vegas, NV 89118 | (702) 940-5163 | — | 5.0 |
| 9420 W Russell Rd #103 Las Vegas, NV 89148 | (702) 202-0137 | — | 5.0 |
| 4902 S Eastern Ave Las Vegas, NV 89119 | (702) 476-3390 | — | 4.9 |
| 6420 S Pecos Rd Las Vegas, NV 89120 | (702) 567-5200 | — | 4.9 |
| 3962 Blue Diamond Rd #103 Las Vegas, NV 89139 | (702) 476-3320 | — | 4.8 |
| 7421 W Lake Mead Blvd #4 Las Vegas, NV 89128 | (702) 476-5400 | — | 4.8 |
| 7875 S Rainbow Blvd #101 Las Vegas, NV 89139 | (702) 263-4003 | — | 4.8 |
| 8665 W Flamingo Rd #101 Las Vegas, NV 89147 | (702) 693-5626 | — | 4.8 |
| 651 N Rainbow Blvd #130 Las Vegas, NV 89107 | (702) 854-6172 | — | 4.7 |
| 9101 W Sahara Ave Suite 100 Las Vegas, NV 89117 | (702) 333-2100 | — | 4.6 |
| 2685 S Eastern Ave Las Vegas, NV 89169 | (702) 870-5626 | — | 4.5 |
| 6685 E Lake Mead Blvd #105 Las Vegas, NV 89156 | (702) 476-2274 | — | 4.5 |
| 7345 S Durango Dr B-109 Las Vegas, NV 89113 | (702) 251-1800 | — | 4.5 |
| 5335 S Decatur Blvd A Las Vegas, NV 89118 | (702) 862-4222 | — | 4.4 |
| 6122 W Sahara Ave Las Vegas, NV 89146 | (702) 215-6244 | — | 4.3 |
| 2288 S Nellis Blvd #1B Las Vegas, NV 89104 | (702) 631-5626 | — | 4.2 |
| 7390 S Las Vegas Blvd #115 Las Vegas, NV 89123 | (702) 492-3565 | — | 4.2 |
| 9340 S Eastern Ave #100 Las Vegas, NV 89123 | (702) 888-1112 | — | 4.2 |
| 6620 W Flamingo Rd Las Vegas, NV 89103 | (702) 331-5035 | — | 3.8 |
| 625 N Lamb Blvd Las Vegas, NV 89110 | (702) 452-2028 | — | 3.7 |
| 6401 N Durango Dr #110 Las Vegas, NV 89149 | (702) 956-9914 | — | 3.7 |
| 4310 E Tropicana Ave Las Vegas, NV 89121 | (702) 451-5826 | — | 3.5 |
| 1386 E Flamingo Rd Las Vegas, NV 89119 | (702) 838-5626 | — | 3.3 |
| 4700 Meadows Ln Las Vegas, NV 89107 | (702) 259-5505 | — | 2.8 |
| 8334 S Maryland Pkwy #103 Las Vegas, NV 89123 | (702) 331-6051 | — | — |
| 6543 S Las Vegas Blvd #02B155 Las Vegas, NV 89119 | (702) 575-6400 | — | 4.8 |
| 7160 Rafael Rivera Wy Las Vegas, NV 89113 | (702) 683-7777 | — | — |
| 2615 E Tropicana Ave Las Vegas, NV 89121 | (702) 898-3300 | — | 5.0 |
| 8164 S Las Vegas Blvd Ste 104 Las Vegas, NV 89123 | (702) 387-6669 | — | 5.0 |
| 7380 S Rainbow Blvd #108 Las Vegas, NV 89139 | (702) 471-6669 | — | 4.9 |
| 9400 S Eastern Ave Ste 109 Las Vegas, NV 89123 | (702) 270-6669 | — | 4.9 |
| 250 N Nellis Blvd Las Vegas, NV 89110 | (702) 459-0222 | — | 4.8 |
| 6016 W Tropicana Ave Ste 1 Las Vegas, NV 89103 | (702) 365-0088 | — | 4.8 |
| 7291 W Lake Mead Blvd Las Vegas, NV 89128 | (702) 256-4555 | — | 4.8 |
| 730 E Flamingo Rd Suite 11 & 12 Las Vegas, NV 89119 | (702) 458-9509 | — | 4.8 |
| 2950 W Sahara Ave Las Vegas, NV 89102 | (702) 221-0083 | — | 4.6 |
| 9275 W Flamingo Rd Suite 100 Las Vegas, NV 89147 | (702) 368-6669 | — | 4.5 |
| 1175 E Charleston Blvd Suite 120, 130 Las Vegas, NV 89104 | (702) 384-6669 | — | 3.9 |
| 580 E Windmill Ln Ste 100 Las Vegas, NV 89123 | (702) 329-5889 | — | 4.6 |
| 8751 W Charleston Blvd #290 Las Vegas, NV 89117 | (702) 789-5156 | — | 4.1 |
| 4975 S Fort Apache Rd Unit 108 Las Vegas, NV 89148 | (702) 560-2700 | — | 3.5 |
| 1272 S Nellis Blvd Las Vegas, NV 89104 | (702) 560-6480 | — | 3.1 |
| 7201 W Lake Mead Blvd Ste 500 Las Vegas, NV 89128 | (702) 329-8684 | — | 2.9 |
| 3300 S Decatur Blvd Ste 4 Las Vegas, NV 89102 | (702) 847-7548 | — | 4.9 |
| 568-A N Eastern Ave A Las Vegas, NV 89101 | (702) 847-7311 | — | 4.9 |
| 2433 E Tropicana Ave Las Vegas, NV 89121 | (725) 201-6645 | — | 4.8 |
| 1814 E Charleston Blvd Las Vegas, NV 89104 | (702) 847-7310 | — | 4.7 |
| Rapid Cash 4199 S Fort Apache Rd D Las Vegas, NV 89147 | (702) 257-6770 | — | 5.0 |
| Rapid Cash 5676 S Eastern Ave Las Vegas, NV 89119 | (702) 243-6770 | — | 5.0 |
| Rapid Cash 7865 W Sahara Ave #103 Las Vegas, NV 89117 | (702) 242-2831 | — | 5.0 |
| Rapid Cash 1532 N Jones Blvd Las Vegas, NV 89108 | (702) 631-2274 | — | 4.9 |
| Rapid Cash 25 N Lamb Blvd Las Vegas, NV 89110 | (702) 453-2274 | — | 4.9 |
| Rapid Cash 2710 S Maryland Pkwy a Las Vegas, NV 89109 | (702) 866-2274 | — | 4.9 |
| Rapid Cash 2801 W Washington Ave Ste A Las Vegas, NV 89107 | (702) 639-2274 | — | 4.9 |
| Rapid Cash 4241 S Nellis Blvd Las Vegas, NV 89121 | (702) 454-6770 | — | 4.9 |
| Rapid Cash 4343 N Rancho Dr #150 Las Vegas, NV 89130 | (702) 382-6770 | — | 4.9 |
| Rapid Cash 4921 W Sahara Ave Las Vegas, NV 89146 | (702) 222-2274 | — | 4.9 |
| Rapid Cash 5067 E Owens Ave Las Vegas, NV 89110 | (702) 307-6081 | — | 4.9 |
| Rapid Cash 6115 W Flamingo Rd Ste A Las Vegas, NV 89103 | (702) 365-7722 | — | 4.9 |
| Rapid Cash 7460 W Cheyenne Ave #110 Las Vegas, NV 89129 | (702) 396-2274 | — | 4.9 |
| 1008 E Charleston Blvd Las Vegas, NV 89104 | (702) 383-8188 | — | 4.9 |
| 1600 N Nellis Blvd Ste 104 Las Vegas, NV 89115 | (702) 438-8188 | — | 4.9 |
| 4755 W Flamingo Rd Ste B Las Vegas, NV 89103 | (702) 362-0578 | — | 4.9 |
| 2400 N Buffalo Dr #140 Las Vegas, NV 89128 | (702) 242-8555 | — | 5.0 |
| 2550 S Eastern Ave Las Vegas, NV 89169 | (702) 431-8700 | — | 5.0 |
| 3391 E Tropicana Ave Las Vegas, NV 89121 | (702) 880-0707 | — | 5.0 |
| 3525 S Fort Apache Rd Ste. 160 Las Vegas, NV 89147 | (702) 362-0054 | — | 5.0 |
| 3810 Blue Diamond Rd Ste. 105 Las Vegas, NV 89139 | (702) 361-2721 | — | 5.0 |
| 3900 W Sahara Ave Las Vegas, NV 89102 | (702) 262-5479 | — | 5.0 |
| 4811 W Craig Rd Las Vegas, NV 89130 | (702) 255-2274 | — | 5.0 |
| 4944 Boulder Hwy Las Vegas, NV 89121 | (702) 222-3400 | — | 5.0 |
| 6436 N Decatur Blvd Ste. 115 Las Vegas, NV 89131 | (702) 395-9111 | — | 5.0 |
| 6450 W Lake Mead Blvd Las Vegas, NV 89108 | (702) 638-2292 | — | 5.0 |
| 6525 S Fort Apache Rd Las Vegas, NV 89148 | (702) 361-3559 | — | 5.0 |
| 6795 W Tropicana Ave Ste 140 Las Vegas, NV 89103 | (702) 221-1050 | — | 5.0 |
| 7380 S Eastern Ave Ste. 126 Las Vegas, NV 89123 | (702) 616-2555 | — | 5.0 |
| 7615 S Rainbow Blvd #100 Las Vegas, NV 89139 | (702) 260-0607 | — | 5.0 |
| 8414 Farm Rd Ste. 130 Las Vegas, NV 89131 | (702) 560-6264 | — | 5.0 |
| Charland Square, 1225 E Charleston Blvd Las Vegas, NV 89104 | (702) 382-1002 | — | 5.0 |
| 1600 N Nellis Blvd Suite 102 Las Vegas, NV 89115 | (702) 438-9553 | — | 4.9 |
| 4077 W Charleston Blvd Las Vegas, NV 89102 | (702) 878-6800 | — | 4.9 |
| 9555 S Eastern Ave #105 Las Vegas, NV 89123 | (702) 263-7655 | — | 4.9 |
Las Vegas at a glance
| Metric | Las Vegas | Nevada | United States |
|---|---|---|---|
| Population | 1.6M | 3.1M | 332.3M |
| Median household income | $74,450 | $78,884 | $85,275 |
| Median rent | $1,583/mo | $1,571/mo | $1,432/mo |
| Income spent on rent | 34.0% | 32.6% | 31.6% |
| Homeownership | 54.3% | 59.5% | 65.4% |
| Poverty rate | 14.4% | 12.6% | 12.6% |
| Unemployment rate | 7.5% | 6.8% | 5.3% |
| Without health insurance | 13.1% | 11.3% | 8.6% |
| Veterans | 7.1% | 8.3% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Las Vegas
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.6%
- Hours of work at the local median wage
- 4.0 hours
Nevada sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loans in Las Vegas: how to apply
Sometimes money runs tight before payday. For anyone in Las Vegas who needs funds fast, we connect you with reputable lenders licensed in your state.
Send in your application online, receive a quick decision, and, if approved, get the cash deposited to your account by the following business day.
Why Las Vegas residents use us
- Fast 5-minute request An internet-based form that keeps you out of physical loan offices.
- Bad credit considered Reviews emphasize your ongoing ability to earn income instead of past credit reports alone.
- Loans within Nevada limits Loan conditions must align with the legal framework of the Nevada Deferred Deposit Loan Law.
- Safe & confidential Your data moves through a secure, encrypted channel.
Notice for Las Vegas residents: Use payday credit only for temporary shortfalls, not as a permanent fix. Under Nevada law (Nevada Deferred Deposit Loan Law), fees, interest and loan sizes are restricted. Examine the contract closely before you agree.
Read more about borrowing in Las Vegas
Who runs payday stores in Las Vegas
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| Dollar Loan Center | 25 | 22% | 4.3 |
| Check City | 21 | 18% | 4.7 |
| TitleMax | 19 | 17% | 5.0 |
| Speedy Cash | 13 | 11% | 4.9 |
| Moneytree | 11 | 10% | 4.7 |
| CASH 1 Loans | 9 | 8% | 4.9 |
| OneMain Financial | 5 | 4% | 3.6 |
| Oportun | 4 | 3% | 4.8 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Las Vegas in context
- Population rank in Nevada
- 1st
- of 6 Nevada cities with 50,000+ residents
- Median household income rank
- 5th
- of 6 Nevada cities with 50,000+ residents
- Households earning under $25,000
- 16.0%
- ▲ 1.6 pts vs NV
- Median home value
- $379,757
- ▼ 6% vs NV
- Home value to income
- 5.1×
- A $400 emergency expense
- 2.0 days
- of median household income
Las Vegas at a glance: budgets and payday costs
Las Vegas in Clark County is home to about 1,625,332 residents, number one by population among 6 Nevada cities here. A typical household in Las Vegas earns about $74,450, within 6% of the Nevada figure ($78,884) and below the national median.
Median rent in Las Vegas is $1,583 a month, 1% above Nevada overall ($1,571). Rent takes about 34.0% of renters' income, just over the 30% benchmark. The poverty rate is 14.4% (above Nevada's 12.6%). Roughly 16.0% of households earn under $25,000 a year. About 7.5% of the labor force is unemployed, versus 6.8% in Nevada. The uninsured rate (13.1%) is above the Nevada level, which raises the odds of surprise medical costs. About 54.3% of homes are owner-occupied, so 45.7% of households rent.
For a median Las Vegas household, the $75 fee on a $500 payday loan equals 2.6% of one paycheck, or about 4 hours of work at the local median wage. Among nearby cities, Reno has the lowest median rent at $1,609. Sparks, close by, reports a median household income of $93,001. In Las Vegas we count 115 licensed loan storefronts, 2 credit unions, 196 bank branches and 54 pawn shops.
Homes in Las Vegas have a median value of $379,757 (6% below the Nevada median). That is about 5.1 times the median household income. The median individual income is $38,876. It belongs to the Las Vegas-Henderson-North Las Vegas, NV metro area.
Nearby cities at a glance
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Las Vegas | 1,625,332 | $74,450 | $1,583 | 14.4% |
| North Las Vegas | 267,181 | $77,560 | $1,666 | 12.5% |
| Henderson | 336,833 | $89,981 | $1,773 | 8.4% |
| Sparks | 130,645 | $93,001 | $1,756 | 8.5% |
| Reno | 322,956 | $87,673 | $1,609 | 11.5% |
Source: U.S. Census Bureau American Community Survey estimates.
Las Vegas payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
| $400 | $60 | 391% | $460 | $580 |
| $500 | $75 | 391% | $575 | $725 |
| $750 | $112 | 391% | $862 | $1,088 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Las Vegas borrowers
What is the typical household income in Las Vegas?
Census estimates show a median household income of $74,450 and a median rent of $1,583 a month in Las Vegas.
Where can I borrow locally in Las Vegas?
Our directories list 115 licensed loan storefronts and 2 credit unions in Las Vegas, Nevada. Credit unions usually charge far less than storefront lenders for small loans.
Is Las Vegas an expensive place to rent?
Renters in Las Vegas spend about 34.0% of their income on housing, against a 30% affordability benchmark, and 14.4% of residents live below the poverty line (statewide: 12.6%).
Can I complete the application without visiting a Las Vegas storefront?
No. You handle everything online without entering a physical location. Upon approval, the lender deposits funds directly to your checking account using ACH.
Will a poor credit rating keep me from borrowing through a payday loan in Las Vegas?
It is possible. Lenders in our network look beyond standard FICO scores when reviewing requests. They place greater weight on your consistent, verifiable income and a working checking account for making payments, though no approval is guaranteed.