On Call Cash offers payday and car title loans at three Las Vegas locations, providing same-day emergency funding for residents in the East Las Vegas and Downtown areas.
Data compiled from public sources · Rating from CreditDoc methodology
On Call Cash is a Las Vegas-based emergency lending company operating three physical locations across the metro area: Desert Inn Rd & Topaz Rd (opened 2020), Westcliff Dr & Buffalo Dr, and Silverado Ranch Blvd & Bermuda Rd. The company specializes in short-term cash solutions designed to help residents bridge immediate financial gaps. They position themselves as a full-service lender catering to the Eastside, East Las Vegas, and Downtown Las Vegas communities, with customer testimonials emphasizing staff friendliness and professional service. The company maintains regular business hours across all locations and offers online application options to streamline the borrowing process.
On Call Cash's core product offerings include payday loans and vehicle title loans (both car and motorcycle). Their marketing emphasizes fast funding and accessibility, with an online application tool that promises callback from a team member within minutes. The company collects basic personal information (name, phone, email) and requires consent for electronic communications and disclosures before processing inquiries. They operate within Nevada's regulatory framework for consumer lending and maintain transparent contact information and business hours.
The company differentiates itself primarily through staff quality and customer service, as evidenced by repeated mentions of specific staff members (Terri and Luis) in customer testimonials. All five available customer reviews highlight professionalism, politeness, and courteous treatment. The Desert Inn location's recent opening (2020) positions it as a newer facility serving growing demand in East Las Vegas. The company's multi-location presence and online application capability provide operational convenience compared to single-location competitors.
As with all payday and title loan providers, On Call Cash operates in a high-cost lending category. The website does not disclose specific APRs, fees, loan terms, or maximum loan amounts, which is typical for this industry but limits consumer transparency at the initial research stage. Borrowers should expect significantly higher costs than traditional bank loans or credit union alternatives. The requirement for consent to automated calling and marketing contact is standard practice but represents a trade-off for fast processing.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. On Call Cash 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
On Call Cash is best for East Las Vegas residents who own vehicles and need emergency cash within hours or days, with access to a nearby physical location and preference for staff-assisted service. The primary caveat is that payday and title loans carry very high costs (typically 300%+ APR equivalent) and should only be used for genuine emergencies when no lower-cost alternatives like personal loans, credit cards, or credit union PALs are available.
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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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