What are Short-term Loans?

Short-term loans are financial products designed to provide quick cash with a relatively short repayment period, usually ranging from a few weeks to a month. They are particularly useful for addressing unexpected expenses or urgent financial needs.

Can I Get a Short-term Loan with Bad Credit?

Yes, it is possible to get a short-term loan with bad credit. Many lenders offer loans specifically designed for individuals with poor credit histories. However, these loans often come with higher interest rates to offset the risk to the lender. It’s important to compare different offers and read the terms and conditions carefully.

What is a Same-day Loan?

A same-day loan is a type of short-term loan where the funds are disbursed on the same day your application is approved. These loans are ideal for individuals who need immediate cash for urgent expenses. However, it’s crucial to have your documentation ready and meet all lender requirements to facilitate quick processing.

Is a Short-term Loan the Same as a Short-term Loan?

While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans are a specific type of short-term loan that is typically due in a lump sum on your next payday, hence the name. Other types of short-term loans may offer more flexible repayment options.

How Can I Apply for a Short-term Loan?

To apply for a short-term loan, start by researching and selecting a reputable lender who meets your needs. You can apply online or in person by providing personal information, proof of income, banking details, and any other documentation required by the lender. The approval process is usually quick, and you may receive funds as soon as the same day.

What are the Risks of Short-term Loans?

Short-term loans can be convenient, but they also come with risks. These loans generally have higher interest rates, which can make them expensive if not repaid on time. Failure to repay a short-term loan can result in additional fees, a negative impact on your credit score, and potential collection actions. It is crucial to assess your ability to repay before taking out a short-term loan.

How Do I Compare Short-term Loan Offers?

When comparing short-term loan offers, consider the interest rate, repayment terms, any fees, and the lender's reputation. Use online comparison tools to evaluate different options and ensure you understand the total cost of the loan. Reading customer reviews and verifying the lender’s credentials can also help in making an informed decision.

Fast & Easy Best Online Short-term Loans in Las Vegas, NV

Best Online Short-term Loans in Las Vegas

Sharky Loans

Loan agency

Apply Online View Details

Address: 2300 N Rainbow Blvd, Las Vegas, NV 89108

Phone Number: +1 (702) 638-0638

Fast Money and Loans

Loan agency

5.00

1 reviews

Apply Online View Details

Address: 800 N Rainbow Blvd, Las Vegas, NV 89107

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (800) 625-6048

Services:

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ICG Enterprises LLC

Loan agency

5.00

4 reviews

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Address: 6370 W Flamingo Rd #5, Las Vegas, NV 89103

Today's Business Hours: 9:00 AM - 4:00 PM

Phone Number: +1 (714) 858-7107

Website: icgenterprises.com

Services:

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Advance Pay

Credit union

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Address: 2645 S Mojave Rd, Las Vegas, NV 89121

Phone Number: +1 (702) 457-1000

Website: getadvancepay.com

Advance Payday Loans

Loan agency

5.00

6 reviews

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Address: 6885 E Lake Mead Blvd, Las Vegas, NV 89156

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (725) 900-8416

Website: advancepdloans.com/locations/sunrise-manor

Services:

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Advance America

Financial institution

4.90

20 reviews

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Address: 3675 S Rainbow Blvd Suite 100, Las Vegas, NV 89103

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (702) 251-1536

Website: advanceamerica.net/store-locations/nevada/3675-s-rainbow-blvd-suite-100-las-vegas-89103

Services:

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Advance America

Financial institution

4.90

13 reviews

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Address: 4001 S Decatur Blvd Suite 7, Las Vegas, NV 89103

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (702) 251-1532

Website: advanceamerica.net/store-locations/nevada/4001-s-decatur-blvd-suite-7-las-vegas-89103

Services:

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Advance America

Financial institution

4.90

26 reviews

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Address: 560 N Nellis Blvd Ste. E-5, Las Vegas, NV 89110

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (702) 459-0724

Website: advanceamerica.net/store-locations/nevada/560-n-nellis-ste-e-5-las-vegas-89110

Services:

Check City

Loan agency

4.70

10 reviews

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Address: 6510 Boulder Hwy #101, Las Vegas, NV 89122

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (702) 777-1888

Website: checkcity.com/nevada/russell-and-boulder

Services:

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Smarter Finance USA

Loan agency

4.50

9 reviews

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Address: 500 N Rainbow Blvd #120, Las Vegas, NV 89107

Today's Business Hours: 8:00 AM - 6:00 PM

Phone Number: +1 (866) 631-9996

Website: smarterfinanceusa.com

Services:

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Alternatives to Short-term Loans in Las Vegas

Short-term loans are financial solutions designed for those needing quick funds, typically repayable within a year. Personal loans are unsecured, allowing borrowers to use the funds for various needs without collateral, but they often come with higher interest rates due to the lack of security. Installment loans require borrowers to repay the borrowed amount in fixed monthly installments over a predefined period, providing predictability in payments. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral, offering immediate access to cash but posing a risk of losing the vehicle if repayment terms are not met.

Best Personal Loan

CASH 1 Loans

5.00

75 reviews

For individuals seeking a short-term financial solution, personal loans are a viable option. Among the best options for personal loans is a payday loan, which offers quick cash without requiring collateral. These loans typically have higher interest rates and short repayment terms, making them suitable for emergencies or unexpected expenses. The application process is swift, often requiring minimal documentation, and funds can be deposited directly into a borrower's bank account within a day or two.

Best Installment Loan

ATALYST | Financial Group

5.00

1 reviews

Installment loans provide another effective form of short-term borrowing, typically allowing borrowers to repay in equal monthly payments over a set period. These loans can accommodate a range of financial needs, from home repairs to debt consolidation, offering flexibility in terms and repayment structures. Achieving the best deal often involves comparing lenders with competitive rates and transparent fee structures to ensure affordability and manageability over the loan's duration.

Best Car Title Loan

Vegas Title Loans

5.00

20 reviews

Title loans, which require the borrower to use their vehicle as collateral, can be an option for those needing short-term financing quickly. They are not always the most favorable choice due to high-interest rates and the risk of losing the vehicle. However, when necessary, the best title loans are provided by well-established lenders who offer transparent terms and reasonable repayment options. Borrowers should thoroughly review the lender's terms, fees, and interest rates, and understand the risks involved before securing a title loan. It's crucial to have a repayment plan in place to avoid falling into a debt cycle or losing their vehicle.

Loan Regulations in Nevada

Short-term loan regulations are established state-wide to protect consumers while allowing them access to quick funds. The state does not cap the maximum loan amount, allowing borrowers to take out as much as their lender is willing to provide, but the loan term must not exceed 35 days. Interest rates and fees are not explicitly capped either, which means they can vary widely, but lenders must disclose all costs to borrowers before any agreement is finalized. Borrowers are also protected by regulations that prohibit lenders from initiating legal action against them if they default.

Eligibility for short-term loans typically requires proof of income, valid identification, and an active bank account in Nevada. There is no set minimum credit score for borrowing, making it an accessible option for those with less-than-perfect credit.

Short-Term Loan Calculator

Loan Amount:

Loan Term:

day(s)

Interest Rate:

Origination Fee:

Estimated Payment

$327.12

Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Get Started

Where to Use Short-term Loan

Once you've secured a short-term loan, it can be utilized across various essential service areas. For medical services, the loan can help cover unexpected hospital visits, prescriptions, or necessary medical treatments. If your vehicle requires immediate attention, you can allocate funds towards car repair services, while also having the flexibility to address immediate legal issues or pay for funeral services. Furthermore, should an appliance suddenly malfunction, the loan provides a quick solution to afford repair or replacement costs.

Adventure Sports Facility

6415 South Tenaya Way, Las Vegas, NV 89113

+1 (702) 720-6250

Car Repair and Service

4150 Losee Road, North Las Vegas, NV 89030

+1 (702) 642-2283

Car Wash

2600 Dalhart Street, Las Vegas, NV 89121

+1 (702) 473-0269

College/University

710 South Tonopah Drive, Las Vegas, NV 89106

+1 (702) 671-4242

Community Center

928 East Sahara Avenue, Las Vegas, NV 89104

Concert Hall

3570 Las Vegas Boulevard South, Las Vegas, NV 89109

Dentist

6655 West Sahara Avenue, Las Vegas, NV 89146

+1 (702) 876-5800

Doctor

500 North Rainbow Boulevard, Las Vegas, NV 89107

+1 (702) 816-5700

Fast Food

7017 South Durango Drive, Las Vegas, NV 89113

Fitness Club & Center

3580 South Maryland Parkway, Las Vegas, NV 89169

+1 (702) 586-1006

Government Office

416 North 7th Street, Las Vegas, NV 89101

+1 (702) 229-2526

Hockey Club

4500 West Tropicana Avenue, Las Vegas, NV 89103

+1 (702) 471-7825

Hotel

209 North 7th Street, Las Vegas, NV 89101

+1 (702) 341-1119

Library

2851 East Bonanza Road, Las Vegas, NV 89101

+1 (702) 938-4000

Movie Theater

4150 West Carey Avenue, North Las Vegas, NV 89032

+1 (702) 646-3565

Table of Content

Best Online Short-term Loans in Las Vegas
Alternatives to Short-term Loans in Las Vegas
Loan Regulations in Nevada
Short-Term Loan Calculator
Where to Use Short-term Loan

Best Online Short-term Loans in Las Vegas

Best Online Short-term Loans in Las Vegas

Alternatives to Short-term Loans in Las Vegas

Best Personal Loan

Best Installment Loan

Best Car Title Loan

Loan Regulations in Nevada

Short-Term Loan Calculator

Where to Use Short-term Loan

Table of Content

Short-term Loans by State

FAQ

What are Short-term Loans?

Can I Get a Short-term Loan with Bad Credit?

What is a Same-day Loan?

Is a Short-term Loan the Same as a Short-term Loan?

How Can I Apply for a Short-term Loan?

What are the Risks of Short-term Loans?

How Do I Compare Short-term Loan Offers?

Find Short-term Loans Near Me

Las Vegas ZIP Codes