Fernley, NV · West · Allowed
Payday loans in Fernley
Fernley is governed by Nevada's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Nevada. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Fernley
19,588 residents · Lyon County Median household income is $52,001 — below the Nevada median of $55,578.
3 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Dollar Loan Center Check Cashing/Pay-day Loans | 1380 US Hwy 95A N Ste 6, 89408 | (775) 575-2525 | Mon 9:00 AM - 6:00 PM · hours vary |
| Maverick Finance Installment Loans | 192 E Main St Ste 7, 89408 | (775) 575-9660 | Mon 9:00 AM - 5:00 PM · hours vary |
| USA Cash Services Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 420 E Main St, 89408 | (775) 575-1377 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Nevada page before visiting. Spot an error? Report it.
The online route in Fernley
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Nevada follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Nevada regulator.
The rules behind the numbers
High-interest loans are intended for short-term financial assistance and should not be used as a long-term solution.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 652% APR. Every compliant lender in Fernley has to fit inside that schedule.
Statute: NRS Chapter 604A
Regulator: Nevada Financial Institutions Division · fid.nv.gov
Questions people ask in Fernley
Are payday loans legal in Fernley, NV?
Yes. Storefront payday lending is permitted across Nevada, and Fernley runs under the same state rules: maximum loan 25% of monthly income, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Fernley?
The same as anywhere in Nevada: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Fernley?
3 storefronts are listed in Fernley in our 2022-02-20 directory snapshot (3 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Fernley?
Complaints about a lender go to the Nevada Financial Institutions Division (fid.nv.gov) — keep the loan agreement and every fee disclosure you were given.