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Nevada Payday Loan

A payday loan is a short-term loan, usually used to take care of emergency expenses. It is generally repaid on or around the date of the borrower's next paycheck.

View our license and/or registration here.

Rates & Terms

Loan Amount

The maximum loan amount is the lesser of $1,500 or the combination of principal and fees that equals 25% of your gross monthly income

Loan Term

8 – 35 days

Fees

$25 per $100 borrowed

Actual loan terms may vary based on applicant's qualifications. Your loan will be due on your next payday that falls between 8 to 35 days away. If your pay dates fall outside of this range, your loan will be due in 14 days. If you are paid by paper check, we will give you a grace period of one day to deposit your check.

How It Works

  1. Apply online in minutes.

  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day, if approved.

  4. Repay on your scheduled due date. You are free to repay early at any time with no penalty.

NOTICE OF FEES CHARGED FOR SERVICES

Deferred deposit loan fee: $25.00 per $100.00

Fee Schedule and Annual Percentage Rate

Your loan fees will be a flat, non-refundable fee of $25.00 per $100.00 borrowed. This translates to different annual percentage rates depending on your loan term. You can use the table below to see the cost and annual percentage rate of different amounts repaid over different periods.

CashNetUSA will charge a non-sufficient funds fee (NSF) of $25 one time per loan if you do not have enough funds in your account at the time your loan payment is due.

Repayment Period:

Finance Charge:

APR:

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75
$75

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125
$125

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150
$150

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175
$175

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200
$200

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225
$225

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250
$250

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275
$275

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300
$300

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325
$325

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350
$350

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

35 Days
34 Days
33 Days
32 Days
31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375
$375

260.71%
268.38%
276.52%
285.16%
294.35%
304.17%
314.66%
325.89%
337.96%
350.96%
365.00%
380.21%
396.74%
414.77%
434.52%
456.25%
480.26%
506.94%
536.76%
570.31%
608.33%
651.79%
701.92%
760.42%
829.55%
912.50%
1013.89%
1140.63%

Extensions

If you are unable to pay on your original due date, you have the option of extending your loan up to 60 days following your initial due date. Therefore, depending on your pay date and the frequency of your paychecks, you may request to extend your loan between one and four times. If you extend your loan, you will be charged only your loan fee on your original loan due date and the principal will be rolled over into a new loan contract. This new loan will carry with it an additional fee. Extension, partial payment and early payoff requests must be received at least two business days prior to your due date. You may request these changes by logging into your account.

Requirements to Apply for a CashNetUSA Loan

In order to be eligible for any CashNetUSA loan, you must meet our requirements:

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Additional Information

All Nevada customers must have a paystub on file with CashNetUSA when receiving a loan. Please fax or e-mail your latest paystub when applying to ensure quick processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, child support or alimony payments. All materials may be sent via fax to 866.326.5265 or via email to support@cashnetusa.com. As soon as we receive this, we will be able to complete your loan request.

Additionally, if a customer defaults on a loan, licensees must offer a repayment plan to the customer before the licensee commences any civil action or process of alternative dispute resolution.

NOTICE OF RIGHT TO CONTACT THE OFFICE OF THE COMMISSIONER OF FINANCIAL INSTITUTIONS REGARDING CONCERNS OR COMPLAINTS

You may contact the Office of the Commissioner of Financial Institutions regarding concerns or complaints about the service provider with whom you are dealing by calling the following toll-free telephone number in Nevada: 1 (866) 858-8951.

Governing Law

The loan agreement will be governed by the applicable laws of your state. Unresolved questions or complaints should be directed to your state's regulatory agency.

CashNetUSA is licensed in Nevada by the Department of Business and Industry.

Terms Explained

Amount Financed

This is the loan amount.

Example: Jane Smith is approved for a $400 loan. This $400 is the amount financed.

Due Date

Your due date is the date on which you must repay your loan. You may repay early with no penalty.

Example: Based on her pay schedule, Jane's loan will be due when she gets her next paycheck in 15 days.

Loan Fees/Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount financed.

Example: Because she borrowed $400, Jane's loan fee/finance charge will be $100.

Total of Payments

This is the sum of the amount financed and the finance charge. It is the total amount you must repay.

Example: Adding together her amount financed and finance charge, Jane’s total of payments comes to $500.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.