Welcome to Las Vegas--the city where money comes and goes quicker than water. It’s probably no surprise that the cash advance/payday loan industry has erupted with full force, giving individuals a short term alternative to falling behind on bills or bouncing checks when an unexpected financial emergency occurs.

Let’s say that something happens to your car, perhaps the exhaust falls off, and you use your car payment money to make the appropriate repairs and replace the muffler. The only problem is that now your car payment is going to be late. You will receive your next paycheck in two weeks, having enough money left over to catch up on your car note. This is a perfect example of getting a cash advance to hold you over until your next payday.

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Cash advances are very short term loans (under one month), paid off at the borrower’s next payday and consist of a small amount of funds (usually $1,000 or less). These loans don’t require a credit check, but are instead based on your job and paycheck. All loans are to be paid in full by the agreed upon date and can sometimes be secured with a post-dated personal check from the borrower. The borrower would write out a check to the lender for the loan amount and any applicable fees.

Nevada payday loan laws are in place to protect all involved parties engaged in a cash advance or other payday loan:

Maximum loan term is 60 days.
Fees cannot be more than the largest bank in Nevada’s current rates, plus 10%.
Rollovers aren’t permitted (paying off one cash advance with another).
Returned check fee of no more than $25 (twice) for one check; one $25 fee for a closed account; court costs and other fees may be charged.

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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.