Rates & Fees
Transparency is important to us. Below you'll find detailed information about our rates and fee structure.
In Nevada, title loan amounts are based on the fair market value of your vehicle and your demonstrated ability to repay the loan. Under NRS Chapter 604A, Nevada does not enforce a hard interest rate cap for title loans, meaning annual percentage rates (APRs) can be significantly higher than traditional bank loans. Borrowers should expect higher costs associated with this borrowing type. Lenders must conduct an 'ability to repay' analysis before approval to ensure the loan fits within your budget. Single-payment title loans in Nevada have a maximum term of 30 days but can be extended up to six times if necessary. Installment title loans can extend up to 210 days. We are not a direct lender and do not control the rates or fees you may be offered. Always read your specific lender's contract carefully, noting all finance charges, before committing.
Annual Percentage Rate (APR)
Varies by lender. Nevada has no statutory APR cap, so rates can be exceptionally high. Review your lender's specific terms carefully before signing.
Representative Example
| Loan Amount | Term | APR | Finance Charge | Total Repayment |
|---|---|---|---|---|
| $1,000 | 30 Days | 300% | $246 | $1,246 |
| $2,500 | 210 Days | 120% | $1,450 | $3,950 |
Representative examples are for illustrative purposes only. We are a matching service, not a direct lender. Actual rates, fees, and terms are set by the independent third-party lender you are connected with and will vary based on your vehicle's value, your income, and the lender's underwriting criteria. Title loans are expensive forms of credit and are not meant for long-term financial solutions.
State-Specific Information — Nevada
Maximum Loan Amount: No statutory dollar limit, but the loan amount cannot exceed the fair market value of the vehicle.
Rate Cap: None. Nevada does not currently enforce a maximum APR cap on title loans under NRS 604A.
Regulations: Regulated under Nevada Revised Statutes (NRS) Chapter 604A. Lenders must conduct an 'ability to repay' analysis. Title loans can be for 30 days (renewable up to 6 times) or installment-based up to 210 days. Lenders must offer a repayment plan if a borrower defaults.
Licensing: Lenders operating in Nevada must be licensed by the State of Nevada Financial Institutions Division (FID).