Nevada Payday Loans

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“I have never felt more comfortable with a loan experience in my life.”

Jasmine C.
Henderson, NV

Borrow Up to $5,000 Today

What do I need to apply?

A payday loan is a short-term loan between today and your next payday. Apply online or find a Branch near you.

As part of the short application process, you’ll need:

  • ID and Tax identification number (Social Security number, ITIN, Alien Registration number)
  • Your address and phone number(s)
  • Your source(s) of income
  • An open checking account

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents.

Click to View Sample Loan Fees

How do I apply?

Moneytree offers two simple ways to apply for a payday loan:

  • Visit a Branch. Find your neighborhood Moneytree with our Branch locator.
  • Apply online. After you apply, we’ll send an email within one hour with information about your loan status. Once approved, choose the amount you wish to borrow, a repayment date and how you’d like to receive your funds.

How the Payday Loan Process Works

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Application

Apply online or at one of our local Branches. It's simple and secure.

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Approval

Once your loan verification documents are received, approval only takes minutes.

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Cash in Hand

You choose how to get your money: deposited to your bank, prepaid debit card or pick up in a Branch. It's that easy.

Moneytree is licensed by the Nevada Financial Institutions Division. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

Payday Loan

If your check or ACH returns unpaid, you will be charged a one-time $25 fee.

Installment Loan

You will be charged a $25 fee if your check or ACH payment returns unpaid.

Title Loan

You will be charged a $25 fee if your check or ACH payment returns unpaid. We have the option to repossess the car used as collateral for the loan if the loan payments are not made per the terms of the loan agreement.

You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.

Online Payments

  • Loans scheduled to be paid by ACH or post-dated check: Payments can be made online at moneytreeinc.com/payments on or before 1 PM PST on the payment due date using your debit card or checking account.
  • Loans scheduled to be paid in cash: Payments can be made online on or before 11 PM PST.

Telephone Payments

  • Loans scheduled to be paid by ACH or post-dated check: Call Customer Service at 1-800-745-1011 before 2 PM PST on or before the payment due date to make a telephone payment using your debit card.
  • Loans scheduled to be paid in cash: Call Customer Service at 1-800-745-1011 before 11 PM PST on or before the payment due date to make a telephone payment using your debit card.

Payment options vary depending on your loan agreement.

Payday Loan

  • Write a post-dated check at loan origination for repayment. Your paper check will be turned into an electronic check for presentation to your bank. If you wish, you can opt to have your paper check physically deposited rather than electronically presented.
  • Repay your loan in full, in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • Repay your loan in full online using your debit card or your checking account information.
  • Repay your loan in full over the phone using your debit card.

Signature Loan

  • Repay your loan in full, in cash, before the end of business on the due date in any Moneytree Branch.
  • If you have a checking account, repay your loan in full online using your debit card or checking account information.
  • Repay your loan in full over the phone using your debit card.

Installment Loan

  • You may authorize ACH debit payments or set up post-dated check payments at loan origination.
  • Make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • Make your loan payment online using your debit card or your checking account information.
  • Make your loan payment over the phone using your debit card.

Title Loan

  • You may authorize ACH debit payments or set up cash payments at loan origination.
  • If you choose ACH payments, you may make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • If you choose cash payments you may make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch.
  • Make your loan payment online using your debit card or your checking account information.
  • Make your loan payment over the phone using your debit card.

For a payday loan or signature loan, in certain cases, you may renew your loan by paying the additional fee to extend the loan due date until your next payday. Payday loans may be renewed at any time before your loan check is sent to the bank or your electronic transaction is deposited. If you contracted for cash payments, you may extend the term of your loan by paying the additional fee at any time prior to the close of business on the loan due date. You may renew your loan a maximum of four (4) times, but for no longer than 60 days after the original loan’s first due date or 90 days after the original loan’s origination date, whichever is shorter. At the time that your fourth renewal is due, or if the applicable time period has expired, the loan must be paid in full.

Installment loans and title loans cannot be refinanced.

You can prepay your loan in full prior to the due date with no prepayment penalty.

Your loan will be due on the date set forth in the loan agreement.

Payday or Signature Loan

If your next payday is within 7 days or less (9 days if paid weekly or monthly) you can repay on the following payday. The maximum loan term per Nevada law is 35 days.

Installment or Title Loan

Payment due dates are based on your pay schedule with payments due on each payday (or next calendar day) throughout the term of the loan.

Your loan limit will be established based on:

  • Your income
  • The information you provide in the loan application
  • Your credit history with Moneytree
  • The information in your consumer report provided by a consumer reporting agency
  • The value of your collateral (title loans)

You can borrow any amount up to your loan limit. Your loan limit may change if any of the above changes.

Payday Loan

A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Signature Loan

A signature loan costs $22 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $122 and has an APR (Annual Percentage Rate) of 573.57.*

Installment Loan

The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan with biweekly payments as an example: 3 Month Loan Term - A $500 loan would cost $771.47 which includes finance charges of $271.47 and is based upon you agreeing to make 5 payments of $128.58 due every two weeks and one final payment of $128.57 with an APR (Annual Percentage Rate) of 364.00%.*

Title Loan

The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan with biweekly payments as an example: 6 Month Loan Term - A $500 loan would cost $863.88 which includes finance charges of $363.88 and is based upon you agreeing to make 14 payments of $57.60 due every two weeks and one final payment of $57.48 with an APR (Annual Percentage Rate) of 202.01%.*

1Installment Loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.

*The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.

To apply for a Moneytree consumer loan you will need the following:

  • Tax identification number (social security number, ITIN, alien registration number)
  • Proof of identification
  • Physical residence address
  • Verifiable income
  • Contact phone number at which you can be reached
  • Open checking account (payday loan & installment loan)
  • Clear vehicle title (title loan & auto equity loan)

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents.

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans and signature loans. You must request a payment plan before the deposit time on the day your loan is due to restructure the payment terms to at least four (4) substantially equal payments. There is no charge to enter into the payment plan. You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a Branch.

Customer Notice: Payday Loans, High-Interest Loans and Title Loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

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Online loans not available in all states. For the complete list of available loans, rates and terms, click the page for your state of residence:

California: A payday loan costs approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.* Moneytree, Inc. is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law to make consumer loans. Licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law to make business loans. Loans made or arranged pursuant to a California Financing Law license.

Colorado: The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $300 loan as an example: If you borrow $300 to be repaid in 6 months, the total finance charges would be $209.44, with an APR (Annual Percentage Rate) of 208.00%.* The finance charges and APR are based upon you agreeing to make 13 payments of $36.39 due every two weeks and one final payment of $36.37.

Idaho: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Nevada: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Washington: A payday loan costs $15 per $100 borrowed up to $500, and $10 per $100 on the amount over $500. For example, a $100 loan due in 14 days would have a total repayment amount of $115 and has an APR (Annual Percentage Rate) of 391.07%.*

Customer Notices:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Payday Loans, High-Interest loans and Title Loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

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For Customer Service, please contact us at 1-800-745-1011.

*The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.