Reno, NV · West · Allowed
Payday loans in Reno
Reno 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 Reno
245,255 residents · Washoe County Median household income is $47,012 — below the Nevada median of $55,578.
22 storefront locations of 14 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 |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5005 S McCarran Blvd, 89502 | (775) 828-0310 | Mon 10:00 AM - 6:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 5890 S Virginia St Bldg 1, 89502 | (775) 825-2555 | Mon 8:00 AM - 9:00 PM · hours vary |
| Cashco Check Cashing/Pay-day Loans | 495 Keystone Ave Ste B, 89503 | (775) 322-5005 | Mon 9:00 AM - 6:00 PM · hours vary |
| Cashco Check Cashing/Pay-day Loans | 1567 Vassar St, 89502 | (775) 323-2274 | Mon 9:00 AM - 6:00 PM · hours vary |
| Dollar Loan Center Check Cashing/Pay-day Loans | 490 E Plumb Ln, 89502 | (775) 829-2274 | Mon 9:00 AM - 6:00 PM · hours vary |
| Dollar Loan Center Check Cashing/Pay-day Loans | 3304 S McCarran Blvd, 89502 | (775) 856-2274 | Mon 9:00 AM - 6:00 PM · hours vary |
| Dollar Loan Center Check Cashing/Pay-day Loans | 748 S Meadows Pkwy, 89521 | (775) 853-3334 | Mon 9:00 AM - 6:00 PM · hours vary |
| Dollar Loan Center Check Cashing/Pay-day Loans | 595 Keystone Ave, 89503 | (775) 624-2274 | Mon 9:00 AM - 6:00 PM · hours vary |
| Dollar Loan Center Check Cashing/Pay-day Loans | 280 Vista Knoll Pkwy, 89506 | (775) 800-8020 | Mon 9:00 AM - 6:00 PM · hours vary |
| FreedomRoad Financial Auto Loan Providers | 10509 Professional Cir Ste 202, 89521 | (866) 455-7623 | Mon 7:00 AM - 6:00 PM · hours vary |
| I Do Lending Installment Loans | 9484 Double R Blvd Ste A, 89521 | (844) 560-7421 | Mon 7:00 AM - 6:00 PM · hours vary |
| Maverick Finance Installment Loans | 2295 S Virginia St Ste 3, 89502 | (775) 337-1770 | Mon 9:00 AM - 5:00 PM · hours vary |
| Minute Loan Center - Reno Check Cashing/Pay-day Loans, Installment Loans | 1100 East Plumb Ln, 89502 | (775) 348-8848 | Mon 9:00 AM - 6:30 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 555 S Virginia St Ste 101, 89501 | (775) 329-6669 | Mon 9:00 AM - 7:00 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5140 Kietzke Ln Ste C, 89511 | (775) 825-6669 | Mon 10:00 AM - 6:00 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2905 Clearacre Ln, 89512 | (775) 328-1000 | Mon 9:00 AM - 8:00 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5015 W 7th St, 89523 | (775) 624-6669 | Mon 10:00 AM - 6:00 PM · hours vary |
| Nevada Title And Payday Loans Title Loans, Installment Loans | 961 S Virginia St, 89502 | (775) 324-4133 | Mon 10:00 AM - 7:00 PM · hours vary |
| Paycheck Advance Check Cashing/Pay-day Loans, Installment Loans, Gold Buyers | 155 Lemmon Dr Ste 103, 89506 | (775) 677-4486 | Mon 9:00 AM - 8:00 PM · hours vary |
| Rapid Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3650 S Virginia St Ste K2, 89502 | (775) 636-9560 | Mon 10:00 AM - 6:00 PM · hours vary |
| United Finance Co - Reno Auto Loan Providers, Installment Loans | 1609 Vassar St, 89502 | (775) 329-1922 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| USA Cash Services Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 699 W Moana Ln, 89502 | (775) 852-5511 | 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 Reno
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 Reno has to fit inside that schedule.
Statute: NRS Chapter 604A
Regulator: Nevada Financial Institutions Division · fid.nv.gov
Questions people ask in Reno
Are payday loans legal in Reno, NV?
Yes. Storefront payday lending is permitted across Nevada, and Reno 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 Reno?
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 Reno?
22 storefronts are listed in Reno in our 2022-02-20 directory snapshot (14 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Reno?
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.