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Cashland Financial Services offers payday loans up to $2,500 in Las Vegas with quick online applications and same-day funding availability.
Data compiled from public sources
Cashland Financial Services operates as a payday loan provider based in Las Vegas, Nevada, serving customers seeking emergency short-term financing. The company maintains a physical storefront at 901 N Rancho Dr, Suite B, Las Vegas, NV 89106, and operates extended hours including weekends to accommodate working customers. Their business model focuses on short-term cash access for individuals facing immediate financial needs between paychecks.
The company offers payday loans ranging from $100 to $2,500 through both in-person visits and an online application process. They advertise a simple online form for fast access to funds with claims of application-timing claims and funding timelines. Their loan amounts are structured in increments from $100 up to $1,000, with options for higher amounts up to $2,500. The platform emphasizes data security, stating that personal information is handled safely during the application process.
Cashland distinguishes itself through extended operating hours (9AM-7PM weekdays and Saturday, 10AM-5PM Sunday) and availability of both online and in-person lending options. Customer testimonials indicate long-term relationships, with at least one customer reporting five years of repeat business. The company maintains a physical presence unlike purely online lenders, allowing for face-to-face transactions and short-term cash access disbursement.
The company holds a 3.4-star rating across 17 reviews, indicating mixed customer experiences. A notable concern emerged from reviews stating instances of cash unavailability despite customer visits. As a payday lender, the company operates within Nevada's regulatory framework but offers high-cost short-term debt products that carry significant financial risks. Customers should carefully evaluate whether emergency payday borrowing aligns with their financial situation, as these loans typically involve high interest rates and fees.
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 Cashland Financial Services 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.
Cashland Financial Services offers 11 services including Payday loans from $100 to $2,500, Online loan applications with simple forms, In-person loan processing at physical location, Same-day or next-day funding claims, Fast cash access for emergency expenses, and 6 more.
Cashland Financial Services has profile signals associated with Employed individuals facing unexpected expenses before their next paycheck, Las Vegas residents researching short-term cash access with proof of income and valid ID, Customers preferring in-person transactions over purely online lenders, Short-term borrowers who can repay within weeks rather than months.
Key strengths: Extended hours including weekends (9AM-7PM most days, 10AM-5PM Sunday) for working customers; Multiple loan access methods: online applications and in-person visits at physical location; Quick funding claims with simple online form process. Areas to consider: Low overall rating of 3.4 stars with reported instances of cash unavailability at the location; Payday loan products carry high interest rates and fees typical of the industry, creating repeat-borrowing cycles.
In the Emergency Cash category, comparable providers include Advance America, Easy Payday Loans, Rapid Cash. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cashland Financial Services is profile signals for Las Vegas residents with stable employment comparing emergency-cash timing and prefer in-person lending. The main caveat is that payday loans carry high costs and create significant debt risk; this should only be used as a last resort for genuine emergencies when other options are unavailable.
Henderson, NV's Advance America location at 560 S. Marks offers payday and title-loan profile details with same-day service claims to verify.
Profile signals: Employed borrowers needing $500 or less to cover expenses until their next paycheck, Vehicle owners who need $2,000–$25,000 and have a paid-off car to use as collateral
At 953 E Sahara Ave in Las Vegas, NV, Easy Payday Loans offers payday-loan profile details and cash advances, open 3AM-2AM daily.
Profile signals: Nevada residents in Las Vegas area facing unexpected urgent expenses, Employed individuals who need same-day or next-day cash access
Rapid Cash North Las Vegas, Nevada — Rapid Cash is a regional brand of Speedy Cash Holdings offering payday loans, installment loans, title loans, check...
Profile signals: Nevada, Oregon, or Washington residents who are researching emergency-cash timing and cannot qualify for bank or credit union loans, Underbanked consumers who also need check cashing, prepaid cards, or wire transfer services in one location
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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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