Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / NV
Personal loans, banking, insurance, and debt help in Nevada
Nevadans use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, in a state where personal loan rates are genuinely uncapped.
21lenders in the dataset
NVstate guide
$863/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Nevada
Nevadans use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, in a state where personal loan rates are genuinely uncapped.
Interest-rate law
Neither NRS 604A (deferred deposit, high-interest, and title loans) nor NRS 675 (conventional installment loans) sets an APR ceiling. A licensed lender can charge whatever rate a borrower agrees to in writing, at any loan size, putting Nevada in the same category as Delaware, Idaho, and Missouri.
| Loan range | Rate | Statute |
|---|---|---|
| Any amount | Uncapped (agreed rate) | NRS 604A / NRS 675 |
Lender complaints: Nevada Financial Institutions Division
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Since Nevada doesn't cap rates for licensed lenders, there's no legal ceiling protecting borrowers from a debt consolidation loan priced at or above their existing credit card APR; shopping around and comparing the actual math matters more here.
04 / Banking and credit unions
Banking in Nevada
National banks offer scale and convenience, while Nevada-based regional and community banks compete on relationship banking and faster local lending decisions.
Banks listed
- Wells FargoNational bank.
- ChaseNational bank.
- Bank of AmericaNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- Nevada State BankHeadquartered in Las Vegas, NV; part of Zions Bancorporation.
- City National BankHeadquartered in Los Angeles, CA, with a significant Nevada presence.
Credit unions
Nevada's credit unions are member-owned, not-for-profit institutions that often post lower loan rates and fewer fees than comparable bank products, with membership tied to living, working, or having other ties to a specific group.
About -0.2% year-over-year median membership growth (Q4 2025 NCUA data), close to a national median of about -0.5%, alongside a notably strong median loan-to-share ratio (about 99%).
WestStar Credit Union's field of membership covers anyone employed by a gaming-licensed company, reflecting Nevada's defining industry, built through mergers absorbing gaming-industry credit unions in the late 1980s/early 1990s. Nevada's state credit union law wasn't passed until 1975; One Nevada Credit Union's 2011 federal-to-state charter conversion shows liberalization still unfolding recently.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal; regulated under the Uniform Debt-Management Services Act (Nev. Rev. Stat. § 676A.010 et seq.), requiring registration through the Nevada Financial Institutions Division. Fees are capped at 30% of savings (not total enrolled balance); providers must maintain a trust account and bond, and borrowers get specific disclosures and a cancellation right.
Companies listed in the dataset
06 / Insurance
Nevada insurance
Regulator
Nevada Division of Insurance
Insurance regulator websiteAuto insurance
25/50/20
Nevada requires $25,000 per person / $50,000 per accident bodily injury liability plus $20,000 property damage liability.
Homeowners and renters
$863/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $175/yr
Homeowners premiums run among the lowest in the country while renters premiums run above the national average, an unusual split. Nevada carries wildfire exposure near the Sierra Nevada and occasional flash flooding from summer monsoon storms.
07 / Questions
Nevada FAQs
How do I file a complaint against a lender in Nevada?
Contact the Nevada Financial Institutions Division, which licenses and supervises consumer lenders operating in Nevada.
How do I file a complaint against my insurance company in Nevada?
File with the Nevada Division of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Nevada?
There isn't one. Nevada's licensed lenders, under NRS 604A or NRS 675, can charge whatever rate a borrower agrees to in writing, with no percentage ceiling in either statute.
What credit score do I need for a personal loan in Nevada?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+; FinTech lenders work with fair credit (low-to-mid 600s); some lenders serve poor or limited credit at higher APRs.
Are payday loans legal in Nevada, and are there caps on fees or loan amounts?
Yes, with some of the most permissive rules in the country: no dollar cap and no APR ceiling, only a limit that payment can't exceed 25% of gross monthly income. Terms run up to 35 days (90 if installment). Real-world APRs commonly range from 400% to over 600%.
How long can a debt collector legally pursue an unpaid debt in Nevada before the statute of limitations runs out?
6 years for written contracts (NRS 11.190(1)(b)); 4 years for oral contracts and open accounts (NRS 11.190(2)(c)). Once the period fully expires, a later payment or acknowledgment does not revive it (NRS 11.200(2)), unlike most states.
What's the difference between a debt consolidation loan and debt settlement for someone living in Nevada?
A debt consolidation loan pays off debts in full with newly borrowed money at a fixed schedule, letting credit recover quickly. Debt settlement negotiates reduced balances but requires stopping payments first, damaging credit, and forgiven amounts can be taxable. In Nevada, where personal loan rates aren't capped, comparing the actual math matters even more.
