Car Title Loans in Nevada2026 Guide
Nevada is a permissive state for title loans with no rate caps.
Legal Status & Regulations
Governing Law
NRS Ch. 604A
Last Reviewed: April 2026
Law Summary
Nevada has some of the most flexible title loan laws under NRS Chapter 604A. There are no interest rate caps or maximum loan amounts, but loans cannot exceed the fair market value of the vehicle. Lenders must be licensed and provide a "Notice of Right to Cure Default" before repossessing a vehicle, along with clear APR disclosures. Nevada law also requires that if a vehicle is repossessed, the lender must provide a notice of the intent to sell the vehicle. Borrowers have a right to redeem the vehicle up until the time of sale by paying the full balance due. Furthermore, any surplus from the sale of a repossessed vehicle must be returned to the borrower after the loan balance and reasonable repossession costs are covered.
Real Rate Example in Nevada
A $1,500 loan in Nevada at a typical market rate of No caps APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
No limit
Max APR / Rate
No caps
Loan Term Range
Varies
Governing Body
NV Financial Institutions Division