Nevada Payday Loans
- Apply online in minutes
- Get money on the same day
- No credit check required
- Instant funding to your account
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Apply Online for a Payday Loan in Nevada
1F Cash Advance offers fast payday loans in Nevada, even for those with less-than-perfect credit. Borrow up to $1,000 to cover emergency expenses the same day. Benefit from a simple application process, instant approval decisions, and quick access to funds.
How the Loan Process Works
To get a payday loan from 1F Cash Advance, you need to complete 3 simple steps:
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Submit an application. Complete a quick online form and upload proof of ID and income. It's secure and takes just 5 minutes.
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Wait for approval. The system will perform a soft credit check. Your rating will not be affected. You will receive a decision by email in a few minutes.
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Receive funding. After approval and signing the agreement, you can receive your money via direct deposit or in cash the same day* or the next day.
*Same-day funding is available for applications submitted before 10:30 am PT. Requests sent after this time, on weekends or holidays, are processed the next business day.
What Do I Need to Get Online Loans in Nevada
Before applying for a loan online, make sure you meet the following requirements:
- Be at least 18 years old
- Have a valid government-issued photo ID
- Provide a valid Social Security number
- Show proof of steady income
- Have an active checking account
- Provide proof of current residence
- Have a valid phone number and email address
Rates and Terms
Nevada has no set interest rate limits, but the loan amount cannot exceed 25% of your gross monthly income. The maximum loan term is 35 days. Your interest rate is subject to approval based on your creditworthiness, loan amount, and repayment schedule.
The Congressional Research Service reports that a payday customer in the median-cost state who borrows $500 pays roughly $433 in fees over four months, at a median APR of about 336%. CRS also notes the rollover pattern that drives that number: CFPB research found only about 36% of new payday loan sequences are repaid in full with no rollover, while roughly 15% of sequences run to ten or more loans.1
Below is an example of a payday loan calculation for a 14-day term:
| Loan amount | Fee | Total Cost | APR |
|---|---|---|---|
| $100 | $17 | $117 | 443.21% |
| $300 | $51 | $351 | 443.21% |
| $500 | $85 | $585 | 443.21% |
| $1000 | $170 | $1170 | 443.21% |
Customer Notice: Payday loans are designed for short-term use and immediate financial needs. They are not a solution to ongoing financial problems. Customers with credit issues should consider credit counseling.
Visit 1F Cash Advance in Nevada
If you’re short on cash and need a fast solution, 1F Cash Advance at Reno is ready to assist. We offer payday and installment loans – all with a simple process and no long waits.
Stop by our Reno location or contact us today. Our team is here to help you get the money you need quickly and with clear terms.
Branch name: 1F Cash Advance Reno
Address: 950 W Moana Ln, Reno, NV 89509
Phone: (775) 258-2871
Email: [email protected]
Branch Manager: Stephen Kirk
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
The store at 294 Coliseum Way, Reno, NV 89502 is permanently closed.
Are you in Las Vegas or the Whitney? No problem! You can easily apply online and get help without visiting a store.
Not in Nevada? You can find a 1F Cash Advance store near you.
Why Choose Us
Tens of thousands have used 1F Cash Advance, and here’s why:
Secure and Confidential
We protect your personal and financial information with advanced security measures.
Licensed and Trusted
We operate legally in Nevada, following all state lending regulations.
Fast Process and Funding
You can apply in minutes and get approved quickly. Many customers receive their money on the same day.
Key Things to Know Before You Borrow
Before applying for a payday loan, carefully evaluate how much you need and ensure you can repay it by the due date. Borrow only what is necessary to minimize fees and avoid falling into a cycle of debt. Always review the terms of the loan, including all charges and repayment options, to understand your total obligation. If you need a larger amount or more time to repay the funds, consider an installment loan with more flexible repayment terms.
What Nevada Borrowers Complain About: 2025 CFPB Data
The Consumer Financial Protection Bureau publishes every complaint it receives, broken out by state and product.
| Product | Nevada complaints |
|---|---|
| Payday loan | 60 |
| Personal loan (incl. installment) | 179 |
| Title loan | 16 |
| Deposit advance / advance of future income | 14 |
| Debt collection | 4,931 |
| All products, Nevada | 83,824 |
The single most common payday complaint
Nationally the CFPB logged about 3,500 payday loan complaints in 2025, which is a 73% increase over the prior two-year monthly average. The top issue was “charged fees or interest you didn’t expect,” up 89% year over year.
The Bureau’s summary of what borrowers actually wrote is worth quoting in substance: consumers often said they did not realize how high the rate was until after taking the loan, and some reported that little or none of their payments had reduced principal. Lenders typically responded that all required disclosures had been made at origination.2
FAQ
How much can I borrow?
The maximum payday loan amount in Nevada is typically limited to 25% of your gross monthly income. This means around $500 for most borrowers, but you may qualify for a larger amount if your income is higher.
What will the loan cost me in total?
The exact amount will be revealed in the loan agreement. The interest rate will be determined after a soft credit check based on your credit, income, and payment history.
When is the repayment due?
The maximum repayment period for a bad credit loan in Nevada is 35 days.
Are there better alternatives?
If you need a higher loan amount for a longer period, you can also get an installment loan from 1F Cash Advance. This product allows you to borrow up to $5,000 and repay the funds over 2 to 24 months. Alternatively, you can get a credit card cash advance or borrow money from your family.
What if I can't repay on time?
Late payments result in an NSF fee of $25. If you are experiencing financial difficulties, contact your lender in advance and ask for a flexible payment plan. For more information, please call (775) 258-2871 or visit us in-store.
Sources
- 1 Congressional Research Service — An Overview of Consumer Finance Products and Related Policy Issues (R48747). December 4, 2025.
- 2 Consumer Financial Protection Bureau — Consumer Response Annual Report: January 1 – December 31, 2025. March 2026.
