Personal loans in Nevada
Consumer lending in Nevada is regulated by the Nevada Department of Business & Industry, Financial Institutions Division. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Nevada
| Payday lending | Permitted and regulated — maximum loan amount: A licensee who operates a deferred deposit loan service shall not make a deferred deposit loan that, in combination with any other outstanding loan of the customer, exceeds 25% of the expected gross monthly income of the customer when the deferred deposit loan is made; maximum loan term: Except as otherwise provided in this chapter, the original term of a deferred deposit loan or high-interest loan must not exceed 35 days.Source: National Conference of State Legislatures · as of 2023 |
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| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Nev. Rev. Stat. §§ 675.010 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: No general usury provision for contracts between parties (Nev. Rev. Stat. Ann. § 99.050); If there is no express contract in writing , interest is equal to the prime rate at the largest bank in Nevada plus 2% (Nev. Rev. Stat. Ann. § 99.040). Finance rates and fees for licensed lenders: Rate agreed to by the parties; APR must be less than 40%. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Nevada are licensed and supervised by the Nevada Department of Business & Industry, Financial Institutions Division.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Nevada Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Nevada Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Nevada Department of Business & Industry, Financial Institutions Division; consumers can file complaints with the Nevada Department of Business & Industry, Financial Institutions Division or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Nevada
Las VegasRenoHendersonNorth Las VegasEnterpriseSpring ValleySunrise ManorParadiseSparksCarson CityWhitneyPahrumpWinchesterSummerlin SouthSun ValleyFernleyElkoMesquiteSpanish SpringsSpring CreekDaytonBoulder CityGardnerville RanchosCold SpringsIncline VillageFallonWinnemuccaLaughlinMoapa ValleyJohnson LaneGardnervilleIndian HillsLemmon ValleySilver SpringsWest WendoverBattle MountainElyNellis AFBMindenYeringtonWashoe ValleyHawthorneStagecoachCarlinKingsburyTonopahLovelockSandy ValleyTopaz Ranch EstatesRuhenstrothAmargosa ValleySmith ValleyEast ValleyMogulPiocheAlamoJackpotWellsVerdiPanaca
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