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Nevada Title and Payday Loans, Inc. in North Las Vegas, NV
Las Vegas title and payday lender offering car title loans up to $15,000, payday loans, and signature installment loans. No income proof required for title loans; all credit types accepted.
Data compiled from public sources · Rating from CreditDoc methodology
Nevada Title and Payday Loans, Inc. Review
Nevada Title and Payday Loans, Inc. is a storefront consumer lender operating in Las Vegas, Nevada, with a location on North Nellis Boulevard near East Washington Avenue in the northeast part of the city. The company specializes in short-term emergency lending products for borrowers who may not qualify for conventional bank financing. They operate Monday through Friday 10AM–6PM and Saturday 9AM–1PM, with Sunday closures.
The company offers three distinct loan products. Car title loans use the borrower's paid-off vehicle as collateral, with amounts up to $15,000 determined by the vehicle's value after an in-person inspection at the store. Payday loans are short-term advances tied to the borrower's next paycheck, requiring a paystub, ID, and active checking account. Signature installment loans are unsecured and require a checking account statement and proof of income. All three products are marketed as same-day cash solutions.
The lender's most notable differentiator is its no-income-verification policy for car title loans — qualification rests entirely on vehicle equity and a lien-free title, not employment status. All credit types are accepted across every product, and borrowers keep physical possession of their vehicle throughout the repayment period. An online pre-application form is available to request a callback before visiting the store.
Nevada Title and Payday Loans provides genuine accessibility for borrowers locked out of mainstream credit, but the accessibility comes at a cost that is not disclosed on the public-facing webpage — title and payday loans consistently carry triple-digit APRs and short repayment windows that can create rollover debt. Title loans carry real repossession risk upon default. Borrowers should treat this as a last resort after exhausting credit union products, employer advances, and nonprofit emergency funds.
Services & Features
Bad credit loan approval
Car title loans (up to $15,000)
In-person vehicle inspection for title loan valuation
In-store document processing and loan origination
Lien-free title verification
No-income-verification title loan processing
Online pre-application / callback request
Payday loans
Same-day loan funding
Signature installment loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Title loans up to $15,000 — higher ceiling than most storefront payday lenders
- No proof of income required for car title loan approval
- All credit types accepted, including bad or no credit
- Borrower keeps physical possession of the vehicle during repayment
- Same-day cash disbursement advertised for qualified applicants
- Three loan products available (title, payday, signature installment) under one roof
- Online pre-application form for callback before visiting in person
Cons
- Interest rates and fees are not disclosed anywhere on the public website
- Title loans carry vehicle repossession risk if the borrower defaults
- Payday loans require proof of employment income — less flexible than title loans for the unemployed
- Single location only; no online-only or multi-state accessibility
- Sunday closed and weekday hours end at 6PM, limiting access for full-time workers
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Nevada Title and Payday Loans, Inc. legitimate?
Yes. Nevada Title and Payday Loans, Inc. is a registered company, headquartered in 1810 Las Vegas Blvd N, North Las Vegas, NV 89030.
Quick Facts
- Headquarters
- 1810 Las Vegas Blvd N, North Las Vegas, NV 89030
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Nevada Title and Payday Loans, Inc.
Best suited for Las Vegas borrowers who own a paid-off vehicle and need fast emergency cash, particularly those with damaged credit or no verifiable employment income. The main caveat is that title and payday loans carry high costs not disclosed upfront, and title loans specifically put your vehicle at risk — this lender should only be considered after lower-cost options are exhausted.
Best For
- Vehicle owners with a lien-free, paid-off car who need fast emergency cash
- Borrowers with poor or no credit history who cannot qualify for traditional loans
- Self-employed or unemployed individuals who have vehicle equity but no paycheck to show
- Las Vegas residents needing same-day cash up to $15,000 without a bank loan
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
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.
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