Car Title Loans in Nevada

Title loans are legal in Nevada under the Nevada Revised Statutes Chapter 604A (NRS 604A.105). Loans Inc connects Nevada residents with participating independent lenders that offer this product. We are not a lender; the lender you are matched with decides whether to approve you and on what terms. This page explains what Nevada law allows, who enforces it, and what to check before you sign.

Are title loans legal in Nevada?

Yes. The provisions that apply are NRS 604A.105 (definition); NRS 604A.5065-604A.5088 (title loan services); NRS 604A.5074 (duration/extensions); NRS 604A.5076 (amount, ownership, ability to repay); NRS 604A.5078 (repossession); NRS 604A.5079 (rescission); NRS 604A.5083 (repayment plan); NRS 604A.5085 (post-default limits).

The operative language in the statute reads: “Title loan means a loan made to a customer pursuant to a loan agreement which, under its original terms: (a) Charges an annual percentage rate of more than 35 percent”

Who regulates title lenders in Nevada

Title lenders in Nevada are supervised by the Nevada Department of Business and Industry, Financial Institutions Division. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.

Rate caps and fees in Nevada

No statutory cap stated on the contract rate; NRS 604A.105 defines a title loan as one charging an APR of more than 35 percent. Post-default only: after the initial term (or any written extension, max 60 days of contract-rate interest) interest is limited to Nevada prime rate plus 10 percent for not more than 90 days, then no interest, and total post-default interest and NSF fees may not exceed the principal (NRS 604A.5085(1)); no extension fees of any kind (NRS 604A.5074(2)(c)); NSF fee max $25, at most two (NRS 604A.5086).

Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).

Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.

What the law says about cost in Nevada

Nevada law sets no maximum interest rate for this loan (NRS Chapter 604A). The lender sets the rate by contract and must disclose the APR, fees, and total cost in writing before you sign. Because there is no ceiling, no illustrative maximum can be shown for Nevada; read the disclosure carefully, compare offers, and see our costs and rates guide for how title loan pricing works.

Loan terms in Nevada

Original term must not exceed 30 days; may be extended for not more than six additional periods of not more than 30 days each, provided no interest is capitalized, the APR does not rise, and no fees of any kind are charged for the extension (NRS 604A.5074(1)-(2)). Alternatively the original term may be up to 210 days if the loan is a fully amortizing installment loan with no extension and no balloon payment (NRS 604A.5074(3)). ‘Extension’ includes any rollover; gratuitous grace periods are excluded (NRS 604A.065, 604A.070).

Repossession rules in Nevada

On default the licensee’s sole remedy is repossession and sale of the vehicle; the licensee may not pursue the customer personally for the loan or any deficiency unless it proves the customer prevented repossession (e.g., hid the vehicle) or committed waste (NRS 604A.5078(2)); NRS chapters 104-104C (UCC) otherwise apply (604A.5078(1)); personal property in the vehicle must be made reasonably available (604A.5078(3)); civil action allowed only for fraud or wrongful transfer of the vehicle (604A.5078(4)). Before repossessing or suing, the licensee must offer a repayment plan for at least 30 days after default, deliver written notice within 15 days of default, and allow a plan term of at least 90 days with an initial payment of no more than 20 percent (NRS 604A.5083).

A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. If you are struggling to pay, contact the lender before the due date; the options available to you are set by the loan agreement and Nevada law.

Your rights as a borrower in Nevada

Written loan agreement in English or Spanish stating names/addresses, security, date, amount, amount financed, APR, finance charge, total of payments, payment schedule, every fee, right to rescind, right to prepay, and the repayment-plan-before-repossession disclosure (NRS 604A.5067). Rescission on or before close of business the next business day, no fee (604A.5079). Full or partial prepayment at any time with no charge (604A.508, 604A.5081). Signed affidavit of income and vehicle ownership (604A.5076(4)). Only a vehicle title may be taken as security; no wage assignments, checks, blank instruments, or tied insurance/products (604A.5071). No confession of judgment, hold-harmless, wage assignment or waiver clauses; no repossession before default; no false advertising (604A.5072). Collection must comply with FDCPA sections 803-812 (604A.5068). Military member protections (604A.507). Receipt for every payment (604A.5088).

How title loans work in Nevada: requirements and process

Lenders in our network typically ask Nevada applicants for:

• A vehicle title in your name, free of other liens
• A government-issued photo ID
• Proof of income or ability to repay
• Proof of Nevada residence
• A vehicle inspection, often completed with photos

You apply once through our site; the lender you are matched with reviews the application and vehicle and makes the approval decision. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator. In Nevada, no dollar cap stated. Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender’s approval, when you apply, document verification, and your bank’s processing.

Alternatives to a title loan in Nevada

Before you borrow against your car, compare lower-cost options available to Nevada residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.

Frequently asked questions

Sources

Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.