Nevada Title and Payday Loans, Inc. offers fast auto title loans, payday loans, and signature installment loans with same-day or next-day funding at their Las Vegas location.
Data compiled from public sources · Rating from CreditDoc methodology
Nevada Title and Payday Loans, Inc. operates a physical lending location in downtown Las Vegas at 929 South Las Vegas Blvd, near the Wolfson Medical Center. The company specializes in short-term emergency cash solutions for consumers who need quick access to funds. They position themselves as a fast, accessible alternative for borrowers facing unexpected expenses and time-sensitive financial needs.
The company offers three primary loan products: 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 repayment schedules. For title loans, borrowers can keep and drive their vehicle while repaying. The company accepts all credit types and does not require proof of income for title loans—qualification is based primarily on vehicle value and a lien-free title. Loans submitted before 12:00pm EST are typically funded the same business day; after 12:00pm EST funding typically occurs the next business day.
The company distinguishes itself through a hybrid online-to-offline process where customers can start their application online, receive a confirmation call, and then complete the transaction in-store with vehicle inspection for title loans. They emphasize treating customers with courtesy and respect while explaining loan terms and borrowing processes. Staff are described as industry experts who take time to answer borrowing questions. The location is convenient to major landmarks and offers specific hours of operation.
A key caveat is that while emergency cash loans serve legitimate needs, title loans and payday loans typically carry high interest rates and fees that are not disclosed on this website. Borrowers should carefully review all terms, fees, and APRs before committing, as these products are designed for short-term emergency situations, not long-term borrowing. The lack of credit-based qualification standards suggests these loans are high-risk products with pricing to match that risk profile.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Nevada Title and Payday Loans, Inc. 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
Best for vehicle owners or salaried workers facing immediate cash emergencies who cannot access traditional credit and need funds within 24 hours. Main caveat: these are high-cost debt products designed only for short-term emergency use; borrowers must carefully review all undisclosed fees and APRs before committing, and should avoid using these loans for ongoing expenses or non-emergency purchases.
Custom Loans offers personal installment loans in Houston with flexible approval that doesn't automatically disqualify applicants with bad credit.
Best for: Houston-area residents with bad or challenged credit seeking emergency or large-purchase financing, Borrowers who need flexible approval and prefer in-person service options
BluPrint Home Loans (NFM Lending division) offers mortgage lending for home purchases, refinances, and investment properties, led by SVP Joey Rosen with CPA and financial planning background.
Best for: First-time homebuyers seeking personalized financial guidance beyond standard loan origination, Real estate investors and seasoned borrowers who benefit from CPA-level financial analysis
Tennessee Quick Cash offers fast title loans, flex loans, and check advances up to $4,000 with same-day funding. Locally owned in Nashville since 1997 with 22 physical locations.
Best for: Tennessee residents facing immediate cash emergencies with vehicle title equity and no access to traditional credit, Consumers with poor or no credit history who need same-day funding and cannot qualify for bank loans
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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 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.
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