Nevada Title and Payday Loans, Inc. (Cash Cow Corporation) offers fast title loans up to $15,000, payday loans, and installment loans with same-day or next-day funding at their Las Vegas location.
Data compiled from public sources · Rating from CreditDoc methodology
Cash Cow Corporation operates as Nevada Title and Payday Loans, Inc., a Las Vegas-based lender specializing in short-term and collateral-backed emergency financing. The company is located at 8170 South Eastern Ave, Suite 5 in the Big Lots shopping center, approximately 1 mile east of Exit 8 off the 215 freeway. Operating hours are Monday-Friday 10AM-6PM and Saturday 9AM-1PM. The business serves customers who need rapid access to cash for unexpected expenses.
The company offers three primary loan products: Nevada auto title loans (up to $15,000 based on vehicle value), payday loans for short-term needs between paychecks, and signature installment loans with structured payment plans. Title loans allow customers to borrow against a lien-free vehicle while retaining driving privileges. Payday loans require proof of recent income, valid ID, and an active checking account. Installment loans require ID, a checking account statement, and proof of income. All three products can typically be funded the same business day if processed before 12:00pm EST, or the following business day otherwise. The company accepts online applications that are followed up with phone verification and in-person verification.
Cash Cow Corporation distinguishes itself through several operational features: no income requirement for title loans (qualification based solely on vehicle value), an in-person local store associate to explain paperwork and walk customers through the process, quick vehicle inspection and same-day funding capability, and an online request form available anytime. The company explicitly markets itself as serving customers with bad credit and those facing urgent financial situations.
However, potential borrowers should recognize that this is a high-cost lending model. Title loans and payday loans typically carry APRs far exceeding 36%, making them expensive emergency options suitable only for truly urgent, short-term situations. The company's business model depends on customers using these products repeatedly, and the lack of income verification for title loans suggests higher risk pricing. While the convenience and speed are genuine advantages, the cost of capital is substantially higher than alternatives like credit union PALs, employer advances, or personal loans.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Cash Cow Corporation is a registered company, headquartered in Las Vegas, NV.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Cash Cow Corporation is best for vehicle owners or salaried employees in genuine financial emergencies who need cash within hours and cannot access lower-cost alternatives. The primary caveat is cost: these are among the most expensive consumer loans available, with triple-digit APRs making them suitable only for short-term emergencies, not ongoing financial needs or larger purchases. Customers should exhaust credit union PALs, employer advances, and personal loans before using title or payday products.
ClearFi Loans is a Chicago-based mortgage lender specializing in home purchases and refinances. They emphasize straightforward processes and personalized service from loan officers like Jake Jones and JP Marzano.
Best for: First-time home buyers seeking personalized guidance through the mortgage process, Self-employed or freelance borrowers with non-traditional income documentation
Miami Boat and Auto provides vehicle title loans from $10,000-$100,000 using cars, boats, and motorcycles as collateral, with same-day approval and no credit check required.
Best for: Vehicle owners with significant equity in cars, boats, or motorcycles needing $10,000+ cash quickly, Borrowers with poor credit who cannot qualify for traditional loans and have valuable collateral
NFM Lending branch in Lynnwood, WA led by Branch Manager Petros A. Christophilis (NMLS #92866), offering mortgage loans for purchase, refinance, and home improvement with 15+ years of local Seattle market expertise.
Best for: Seattle/Greater Seattle area homebuyers seeking local originator with market familiarity, First-time home buyers wanting accessible, seven-day-a-week communication and guidance
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cash Cow Corporation and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.