1. Home
  2. Finance
  3. Loans
  4. Personal Loans
  5. Las Vegas Personal Loans

Best Personal Loans in Las Vegas, NV

Author picture
Written by Sandi Pope

Unexpected expenses can be scary. Personal loans in Las Vegas can help cover costs like medical bills and weddings, comforting residents in otherwise stressful situations. Good Nevada loans should have fair interest rates and little to no fees, and come from reputable loan companies in Las Vegas.

Why trust ConsumerAffairs?
  • Our recommendations are based on what reviewers say.
  • 3,826,880 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

Top 14 Las Vegas Personal Loan Companies

  • Best Rated
  • Most Reviewed
  • Highest Rated
las vegas skyline personal loans

Personal loan borrowers in Las Vegas can typically receive between $2,000 and $35,000, but some businesses loan up to $50,000. There are many uses for personal loans, and they are often a better option than credit cards because they typically have lower interest rates.

Finding a personal loan in Las Vegas

There are a variety of loans to choose from in Las Vegas, which can make it hard to know which type makes the most sense for your situation. To help narrow your search, we’ve provided some specific examples that Las Vegas residents face and what type of loan works best for that circumstance.

  • Secured and unsecured loans: These two types of loans are relatively simple. Secured loans are backed by collateral, while credit history or other factors determine someone's eligibility for an unsecured loan. Many auto dealerships offer secured auto loans that are backed by the car you’re purchasing. However, if your credit score is good and you can prove the ability to pay back the loan, lenders can grant you a loan without any collateral to buy whatever you need, including the unexpected cost of replacing your air conditioner.
  • Co-sign loan: Students starting college at the University of Nevada, Las Vegas may need money for living expenses but often have little or no credit, which makes it difficult to get approved for a loan. Having a family member with good credit co-sign your loan helps lower your interest rates and makes getting a loan more affordable.
  • Variable-rate loan: Variable-rate loans are useful if you can afford to pay more upfront to capitalize on lower interest rates. Developers who have a house to sell in the near future can take advantage of the benefit of variable loans.
  • Fixed-rate loan: If you want to be able to budget your loans better, fixed-rate loans are the best option. They provide the same monthly cost for the entire loan term, which makes them excellent for paying medical expenses.

State requirements for personal loans in Las Vegas

Nevada has some of the most relaxed laws when it comes to lending — there are no caps on loan amounts or interest rates. The law only states that borrowers must agree in writing upfront about the fees and interest associated with borrowing money. However, it’s important to note that Nevada is currently trying to pass legislation that creates new protections for residents, so caps may change in the coming years.

Picking a Las Vegas loan company

As a borrower, you have many options for lenders in Vegas. You can find bad credit loans, collateral loans, online loans, credit union loans, loans from Vegas banks and more. However, to find the best loans in Las Vegas, we recommend starting with quotes from a variety of lenders and comparing them against one another. When you have several quotes to compare, you should then look for:

  • Low interest rates
  • No origination fees (if available)
  • Few or no registered issues
  • No penalties for prepayment
  • Good loan terms
  • Positive company reviews

Finally, look over the contract carefully. Make sure you understand what you’re committing to before you sign your contract. Even a small increase in interest rates and fees can add up to a lot over the term of a loan.

Las Vegas personal loan FAQ

Can I get a loan with a Las Vegas credit union?
Yes. Credit unions in Las Vegas typically offer lower interest rates on loans than traditional banks, making them an excellent option for consumers.
Is there a loan for people with bad credit?
Most online lenders and many credit unions don’t have minimum credit score requirements for loans. Those with lower credit scores typically receive higher interest rates, which causes the loan to cost more over time. If you're having trouble getting approved for a loan, you may consider payday loans.
What is a fair interest rate on a personal loan?
A fair interest rate for Las Vegas borrowers is somewhere between 5% and 36%. Anything more and you have to spend a lot more on your personal loan in the long run.

Not sure how to choose?

Get buying tips about Personal Loans in Las Vegas delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter!

    Las Vegas personal loan company information

    Clark County Credit Union

    Clark County Credit Union offers fixed-rate signature loans with custom rates based on borrowers' credit history and needs. Customers can apply online through its website or in person at one of its many locations. Clark County Credit Union has more than $650 million in assets.

    • Address: 6120 N. Decatur Blvd., North Las Vegas, NV 89084; Multiple locations
    • Phone: (702) 228-2228
    • Hours: M - Th: 9am - 5pm; F: 9am - 6pm; Sat: 9am - 2pm
    • Website: ccculv.org
    America First Credit Union

    America First Credit Union has six types of personal loans available, including lines of credit and student loans. America First offers personal loans for up to five years, with rates as low as 8.49%. Its quick approval process and online application get borrowers the money they need to deal with emergencies faster.

    • Address: 3846 W. Sahara Ave., Las Vegas, NV 89102
    • Phone: (800) 999-3961
    • Hours: M - Th: 9am - 6pm
    • Website: americafirst.com
    One Nevada Credit Union

    One Nevada Credit Union has provided localized financial services in Nevada for more than 70 years. Its service center representatives are all based in Nevada, and its three-step personal loan approval process makes it easy to secure a loan of up to $25,000.

    • Address: 7703 N. El Capitan Way, Ste. 190, Las Vegas, NV 89143
    • Phone: (702) 457-1000
    • Hours: M - F: 10am - 6pm
    • Website: onenevada.org
    Nevada State Bank

    Nevada State Bank offers secured and unsecured personal loans with terms of up to 36 months. The bank offers APRs between 9% and 28.72%. Nevada State Bank has nearly 60 years of experience and understands the unique issues that residents face. The bank has the tools and skills needed to settle nearly any financial problem.

    • Address: 8260 W. Sahara Ave., Las Vegas, NV 89117
    • Phone: (702) 706-9200
    • Hours: M - Th: 9am - 5pm; F: 9am - 6pm; Sat: 10am - 2pm
    • Website: nsbank.com
    Nationwide Acceptance

    Nationwide Acceptance specializes in providing secured loans for Nevada residents with less-than-perfect credit scores. Borrowers can receive between $1,000 and $20,000 in secured loans through a fast application process. Nationwide Acceptance offers payment protection products and automatic payment options. The company has Spanish-speaking representatives.

    • Address: 2250 S. Rancho Drive, Ste. 155, Las Vegas, NV 89102
    • Phone: (702) 457-7600
    • Hours: M - F: 9am - 5pm; Sat: 9am - 2pm
    • Website: nac-loans.com
    Unify Financial Credit Union

    Unify Financial Credit Union offers rates as low as 3.49% APR for a 12-month term and loan amounts from $500 to $50,000. Terms can be as short as a year and as long as 84 months, depending on the borrower’s needs. Customers are eligible for a 0.25% rate discount if they sign up for automatic payments from their Unify account.

    • Address: 7985 W. Sahara Ave., Ste. 101, Las Vegas, NV 89117
    • Phone: (877) 254-9328
    • Hours: M - Th: 10am - 6pm; F: 9am - 6pm
    • Website: unifyfcu.com