Nevada-based payday lender operating for 30 years with multiple Las Vegas and Reno locations offering fast cash advances and payday loans for short-term financial needs.
Data compiled from public sources · Google rating shown when a stored review count is available
Money in Minutes Nevada, operating under the Cash Oasis brand, is an established payday lender with nearly 30 years of operating history in Nevada. The company serves customers in Las Vegas and Reno through multiple physical locations and an online application process, positioning itself as a convenient source for emergency cash when unexpected expenses arise before payday.
The company specializes in payday loans, cash advances, and installment loans with stated approval for customers with prior bankruptcy, those starting new jobs, and SSI recipients. Their marketing emphasizes speed of the application process, application-timing claims decisions, and same-day or next-day cash funding. They operate multiple branded locations including Cash Nevada, Cash Oasis Flamingo, Cash Oasis Charleston, Sierra Financial, Nova Financial, Cashco Keystone, and Cashco Vassar across Nevada.
Money in Minutes differentiates itself through its long operational history in the Nevada market, multi-location convenience, stated commitment to listed pricing (claiming no fees to verify), and willingness to work with customers who have credit challenges or non-traditional employment. Their marketing emphasizes customer service and knowledgeable staff guidance throughout the borrowing process, positioning the company as with trust signals to verify within the payday lending space.
As a payday lender, Money in Minutes operates in a high-cost borrowing category designed for short-term emergencies only. While the company discloses that deferred deposit and high-interest loans should be used for short-term needs and recommends credit counseling for those with credit difficulties, customers should understand these products typically carry APRs in the triple-digit range and can create repeat-borrowing cycles if used repeatedly or rolled over.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Las Vegas, NV. It does not confirm that Cash Oasis or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Status: Permitted
Rate context: No APR cap; rates can exceed 600% APR
Amount context: $25% of borrower's expected gross monthly income
Term context: 35 days
Regulated under Nev. Rev. Stat. § 604A.200-604A.215 (Deferred Deposit Loan Law); lenders must be licensed; loans capped at 25% of gross monthly income with maximum 35-day term; rollovers and extensions allowed but subject to income limits
Status: Permitted
Rate context: No general usury cap; rates negotiated between lender and borrower
Installment loans are permitted; lenders making installment loans of $2,500 or more must be licensed under Nev. Rev. Stat. § 604A; Truth in Lending Act (TILA) and Regulation Z disclosures apply to federally-regulated lenders
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cash Oasis offers 10 services including Payday loans, Cash advance loans, Installment loans, Cash-funded loans, Online loan application, and 5 more.
Cash Oasis has profile signals associated with Nevada residents facing unexpected short-term expenses before their next paycheck, Individuals with prior bankruptcy or credit challenges comparing emergency-cash timing, Workers starting new jobs who need bridge funds before first paycheck, SSI recipients and non-traditional income earners with limited lending options.
Key strengths: 30 years of operating history in Nevada market; Multiple physical locations in Las Vegas and Reno for in-person applications; States approval for customers with prior bankruptcy, new jobs, and SSI income. Areas to consider: High-interest rate loans typical of payday lending industry (APR not disclosed on website); Product explicitly intended for short-term use only, flagged for caution for financial emergencies requiring longer repayment.
In the Emergency Cash category, comparable providers include American Cash Advance and Title Loan, Cash Cow Corporation, Home Loans by Paige: Paige Martinez, Mortgage Broker. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Money in Minutes is appropriate for Nevada residents facing genuine short-term cash emergencies before payday who understand these are high-cost loans intended for temporary relief, not recurring use. The critical caveat is that payday loans carry triple-digit APRs and can create repeat-borrowing cycles; the company itself recommends credit counseling for customers with credit difficulties before borrowing.
Memphis-based payday and title loan lender offering short-term cash access up to $2,500 with listed funding timing. First advance is free for new customers.
Google rating from 52 reviews
Profile signals: Memphis-area residents facing short-term cash access emergencies with limited alternatives, Borrowers with poor or no credit history unable to access traditional loans
Nevada Title and Payday Loans, Inc. (Cash Cow Corporation) offers title-loan profile details up to $15,000, payday loans, and installment loans with listed funding timing at their Las Vegas location.
Google rating from 373 reviews
Profile signals: Vehicle owners with paid-off cars facing short-term cash access emergencies who cannot access other credit, Salaried or hourly employees needing short-term bridge loans between paychecks for urgent bills
Paige Martinez is a licensed loan originator (NMLS #214634) operating as a mortgage broker in Phoenix, Arizona, offering home purchase, refinance, and cash-out mortgage solutions with personalized support.
Google rating from 163 reviews
Profile signals: Phoenix-area and Arizona homebuyers seeking personalized pre-approval or rate comparison before making offers, Current homeowners exploring refinancing options (rate reduction, cash-out, debt consolidation)
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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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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.
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