****Last Revised– 1/9/2026****
Recent state regulations have forced a few companies to shut down their online lending operations. This includes many local lenders offering online payday loans in Las Vegas. With that, Nevada still ranks as one of the best states to live in if you need an online loan. Even with poor credit and a monthly income of $1,000 or less, you can still qualify for a payday loan. Check back with us throughout the year, as more companies should be lending again soon.
These Direct Lenders Provide Online Payday Loans In Nevada:
MaxLend
MaxLend is an online lender that claims to offer an alternative to payday loans. Nevada residents can qualify for online loans of $200 or more, with cash sent by direct deposit within 24 hours or less. When you apply, you need to provide a verified source of income and show proof of an open and active checking account.
My Personal Dollars
My Personal Dollars is an online lender that has offered payday loans in Nevada for years. Per their website, they offer the largest loan amounts in Las Vegas and never require bank statements for loans under $400. Also, they recently streamlined their online application system. As a result, My Personal Dollars claims that Nevada residents are now more than twice as likely to see approval for an online loan. Bad credit won’t be an issue, but you can’t have any active cash advances in default to qualify for a loan. Applicants also need a valid checking account, as they won’t accept a savings account.
Cash USA
Cash USA is an online payday loan company with a strong presence in Las Vegas. They only need a soft credit check to underwrite your application and will generally qualify you for an online loan if you have a checking account and take home at least $1,500 a month. Also, they say you won’t need to fax in any information when you apply for a payday loan or an online installment loan. Nevada residents can expect loan amounts up to 25% of their gross monthly income, and your loan term will range from 35-120 days.
LoanCenter
They are a direct lender in Nevada that offers online personal loans of $2,500 to $4,000 with flexible repayment terms of 6 months to 2 years. To qualify, you must show a fair to good credit score of around 640 and proof of monthly income of $3,000 or more. LoanCenter will run an initial credit check, which will not affect your credit score.
Are you looking for more money than what a typical online loan offers? You should consider applying for an online personal loan if you have decent credit. One of the largest online loan sites in Nevada is One Main Financial. With this type of loan, you request a larger cash amount (usually 1k to 10k in Nevada, depending on the underwriting conditions). You can also get a lower interest rate than with a traditional payday advance.
Opploans
Opploans provides short term loans in Las Vegas and throughout Nevada, with a minimum loan amount of $1,000. Qualified borrowers can choose a payoff term of up to 36 months. Making on time monthly payments with Opploans can help your credit score as they report all payments to the credit bureaus. Opploans offers lower interest rates than traditional cash advances and online payday loans.
Check Into Cash
Check Into Cash may be the largest direct payday lender in the country. For over a decade, they’ve provided online payday and title loans with competitive rates and the most straightforward online application process in Nevada. They’re offering online loans of up to $1,000 to first-time applicants. Check Into Cash has no physical cash advance locations in Las Vegas, but all residents can apply online or over the phone. You must have a valid checking account open for at least 90 days to be approved.
Check City
Check City offers short term online payday loans and retail loans in Nevada. They have offices in Las Vegas, Reno, and Henderson and have provided cash advances in Nevada since 1989. Their online payday advances range from $100 to $2,500 for Nevada consumers. Your loan payoff term cannot exceed 35 days, and the loan amount cannot exceed 25% of your gross monthly income.
Ace Cash Express
Ace Cash Express is a state licensed direct lender that provides online payday loans of up to $1,500 in Nevada. You can complete the application entirely online at your own pace. You can also call in and have someone walk you through the application and underwriting process.
Are you having trouble getting approval for a cash advance loan? Many cash advance companies on this page may not lend to consumers in Nevada with bad credit. If you need other options or can’t find a bad credit lender, check out Online Loans Direct. They work with payday lenders offering loans of $200 to $1,000 to Las Vegas, NV applicants.
Upstart Personal Loans
Upstart funds direct loans of $2,500 or more at an APR of 16-36%. An Upstart installment loan is not your best option if you have bad credit. Las Vegas residents will need decent credit to complete a loan transaction with them. Terms with Upstart range from 24 months to 36 months. There’s never a pre-payment penalty for borrowers who want to repay the loan sooner.
Highway Title Loans
Highway Title Loans is a company that offers same day car title loans to Nevada consumers. Title loans differ from payday loans, as you use the car, truck, or SUV as collateral. However, most candidates for a payday loan can also qualify for a title loan, as there’s no need for good credit if you own a vehicle! Loan amounts are high with a secured loan and can be well over $5,000 for borrowers in Las Vegas or Reno.
MoneyTree
MoneyTree has been providing cash in Vegas for the past decade. Based on their site data, they appear to have a very high approval rate among Las Vegas consumers. This lending company claims to have more payment options and lower finance charges than other Las Vegas lenders and financial institutions. They feature instant cash wired to your account upon approval of your application. Contact them through their website or phone for more information on their current lending terms and APR.
Payday Loans Las Vegas
Payday Loans Las Vegas offers a quick approval process for Nevada consumers, regardless of credit history. They offer online payday and installment loans that max out at $2,500. They are members of the Online Lender Alliance and provide same day cash advance options and online applications that you can complete in less than 10 minutes. Once approved, you can get cash fast by direct deposit or load it on a prepaid card.
MoneyLion
MoneyLion is a nationwide lender offering signature loans to Nevada residents with fair to good credit. Loan amounts range from $1,000 to $20,000, with payoff terms of 1 to 3 years, and interest rates of 15% or higher. Unlike a typical payday loan, MoneyLion uses your past credit history and revolving debt amounts to determine your loan amount and payoff terms. You stand a good chance of qualifying for a payday loan with a FICO score of 650 or higher!
CashNetUSA
CashNet has provided online payday loans for years and has around a dozen storefront locations in Las Vegas and Henderson. Nevada residents can borrow up to $2,000; your loan will be due in 7 to 35 days. You can extend your payment term to 60 days after the due date. Cashnet has a promotion in place for local customers. Use code “A15CASH” anytime through April 2026 for 15% off your initial underwriting fees.
Cash Central
Cash Central is a longtime payday lender licensed to offer payday and installment loans in Nevada. They offer an easy 3-step phone or online application process for cash advances of $250 to $1,500. The final loan amount will be based on your individual needs and underwriting. The payoff term can be no shorter than seven days and no longer than 35 days. Use code “FB1020” in 2026 to get 20% off fees.
Payday loans in Las Vegas, NV
Getting a payday loan in Las Vegas or anywhere in Nevada is simple for anyone who can verify their income. First, you must ensure that unsecured loans are your best choice during a financial crisis. Always consider a bank loan or borrowing from someone you know before taking out a payday loan.
A lender will require the following information when you first apply
Valid ID such as a driver’s license or state ID
Contact number and physical address in the state of Nevada
Proof of income and employment information(this will often be verified by phone)
Bank details such as checking account information(for direct deposit)
Loan amounts with an online payday loan in Las Vegas, NV
Payday loan amounts in Nevada range from $300 to $4,000. Get a higher loan amount from installment loans in Las Vegas, where applicable.
Why work with Nevada Payday Lenders
Nevada Payday Lenders can help you find the best short-term lender for any financial situation, whether a payday loan provider in your neighborhood or an online company that offers loans throughout the state. As you can see with one direct lender, we’re not locked into a specific interest rate or payoff term and can offer multiple financing options. You can compare loan options and payments that best fit your budget and needs. Apply with any company listed in our online directory or call 702-605-0371 to get matched with a direct payday lender over the phone.
