Borrow with the facts on your side.
Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Credit Unions vs Payday Loans in Las Vegas, NV
2 credit unions are headquartered in Las Vegas, with 93,564 members in total. Credit unions are member-owned and often offer small personal loans and payday alternative loans (PALs) at far lower rates than payday lenders.
- Credit unions
- 2
- Members
- 93,564
- Federal
- 0
- State-chartered
- 2
Credit unions vs payday loan stores in Las Vegas
Las Vegas has 115 payday, installment and title loan stores but only 2 credit unions headquartered here — about 57.5 loan stores for every credit union. Local credit unions count 93,564 members — roughly 6 memberships per 100 residents.
Credit unions
2
0.1 per 100k residents
93,564 members
Payday & loan stores
115
7.1 per 100k residents
11 store chains
Biggest loan store chains in Las Vegas: Dollar Loan Center (25), Check City (21), TitleMax (19), Speedy Cash (13), Moneytree (11).
What a $500 loan costs over 3 months
| Option | Payment | Total cost |
|---|---|---|
| Payday loan, re-borrowed 6 times (~652%+ APR) | $75.00 every 2 weeks | $450.00 |
| Credit union PAL, 3 monthly payments (28% APR + $20 fee) | $174.50 a month | $43.51 |
- You keep with a credit union PAL over 3 months
- $406.49 payday costs 10× more
Payday: a typical fee of $75 on a $500 loan for 2 weeks (NV limits are not set in dollars), paid 6 times in 3 months. PAL: payday alternative loan from a federal credit union, capped at 28% APR with an application fee of up to $20.
What it means for a household in Las Vegas
- Median household income
- $74,450
- Payday fee of $75, share of two weeks' income
- 2.6%
- Hours of work to pay the $75 fee
- 4.0 hours
- PAL payment of $174.50, share of monthly income
- 2.8%
- A $400 emergency equals
- 2.0 days of income
- Households earning under $25,000
- 16.0%
- Residents below the poverty line
- 14.4%
Income and poverty: U.S. Census Bureau, American Community Survey, by ZIP code; figures for Las Vegas are population-weighted and approximate. Hours of work are based on the median individual income.
Payday loans vs credit union PALs: the rules in Nevada
| Payday loan in NV | Credit union PAL | |
|---|---|---|
| Legal status | Allowed | Offered by many federal credit unions |
| Loan amount | 25% of gross income | $200 – $2,000 |
| Fee limit | No strict state limit (N/A) | Application fee up to $20 |
| Typical APR | ~652%+ | Up to 28% |
| Term | Usually 2–4 weeks, due in one payment | 1 to 12 months, in installments |
| Credit check | Usually none; a bank account and income are required | Membership required; payments can be reported to credit bureaus |
Payday rules: Nevada law as summarized on our Nevada payday page. PAL rules: National Credit Union Administration (NCUA) rules for federal credit unions (PAL I and PAL II); state-chartered credit unions may offer similar small loans.
Credit unions headquartered in Las Vegas
| Credit union | Address | Members | Website |
|---|---|---|---|
| One Nevada Credit UnionState-chartered | 2645 S Mojave Rd Las Vegas, NV 89121 | 74,308 | onenevada.org |
| Weststar Credit UnionState-chartered | 2775 S Rainbow Blvd Las Vegas, NV 89146 | 19,256 | weststar.org |
Payday and installment loan stores in Las Vegas
For comparison: storefront payday, installment and title lenders in Las Vegas with addresses, phone numbers and hours. Check a credit union first — a PAL or small personal loan usually costs far less.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1386 E Flamingo Rd Las Vegas, NV 89119 | (702) 838-5626 | — | 3.3 |
| 2288 S Nellis Blvd #1B Las Vegas, NV 89104 | (702) 631-5626 | — | 4.2 |
| 2685 S Eastern Ave Las Vegas, NV 89169 | (702) 870-5626 | — | 4.5 |
| 3962 Blue Diamond Rd #103 Las Vegas, NV 89139 | (702) 476-3320 | — | 4.8 |
| 4310 E Tropicana Ave Las Vegas, NV 89121 | (702) 451-5826 | — | 3.5 |
| 4700 Meadows Ln Las Vegas, NV 89107 | (702) 259-5505 | — | 2.8 |
| 4902 S Eastern Ave Las Vegas, NV 89119 | (702) 476-3390 | — | 4.9 |
| 5270 S Procyon St Las Vegas, NV 89118 | (702) 940-5163 | — | 5.0 |
| 5335 S Decatur Blvd A Las Vegas, NV 89118 | (702) 862-4222 | — | 4.4 |
| 6122 W Sahara Ave Las Vegas, NV 89146 | (702) 215-6244 | — | 4.3 |
| 625 N Lamb Blvd Las Vegas, NV 89110 | (702) 452-2028 | — | 3.7 |
| 6401 N Durango Dr #110 Las Vegas, NV 89149 | (702) 956-9914 | — | 3.7 |
| 6420 S Pecos Rd Las Vegas, NV 89120 | (702) 567-5200 | — | 4.9 |
| 651 N Rainbow Blvd #130 Las Vegas, NV 89107 | (702) 854-6172 | — | 4.7 |
| 6620 W Flamingo Rd Las Vegas, NV 89103 | (702) 331-5035 | — | 3.8 |
| 6685 E Lake Mead Blvd #105 Las Vegas, NV 89156 | (702) 476-2274 | — | 4.5 |
| 7345 S Durango Dr B-109 Las Vegas, NV 89113 | (702) 251-1800 | — | 4.5 |
| 7390 S Las Vegas Blvd #115 Las Vegas, NV 89123 | (702) 492-3565 | — | 4.2 |
| 7421 W Lake Mead Blvd #4 Las Vegas, NV 89128 | (702) 476-5400 | — | 4.8 |
| 7875 S Rainbow Blvd #101 Las Vegas, NV 89139 | (702) 263-4003 | — | 4.8 |
| 8334 S Maryland Pkwy #103 Las Vegas, NV 89123 | (702) 331-6051 | — | — |
| 8665 W Flamingo Rd #101 Las Vegas, NV 89147 | (702) 693-5626 | — | 4.8 |
| 9101 W Sahara Ave Suite 100 Las Vegas, NV 89117 | (702) 333-2100 | — | 4.6 |
| 9340 S Eastern Ave #100 Las Vegas, NV 89123 | (702) 888-1112 | — | 4.2 |
| 9420 W Russell Rd #103 Las Vegas, NV 89148 | (702) 202-0137 | — | 5.0 |
| 1280 E Silverado Ranch Blvd #110 Las Vegas, NV 89183 | (702) 487-5000 | — | 4.7 |
| 1990 N Rainbow Blvd Las Vegas, NV 89108 | (702) 216-1777 | — | 4.7 |
| 2475 S Jones Blvd #2 Las Vegas, NV 89146 | (702) 876-8822 | — | 4.8 |
| 3210 S Nellis Blvd Unit 100 Las Vegas, NV 89121 | (702) 685-4500 | — | 4.7 |
| 4035 S Durango Dr Las Vegas, NV 89147 | (702) 216-3777 | — | 4.8 |
| 4125 S Eastern Ave Ste 101 Las Vegas, NV 89119 | (702) 566-5777 | — | 4.6 |
| 4348 E Craig Rd #100 Las Vegas, NV 89115 | (702) 216-0900 | — | 4.6 |
| 4455 E Tropicana Ave Las Vegas, NV 89121 | (702) 215-4300 | — | 4.7 |
| 5861 W Craig Rd #104 Las Vegas, NV 89130 | (702) 215-4444 | — | 4.8 |
| 6020 W Flamingo Rd Ste B1 Las Vegas, NV 89103 | (702) 367-7800 | — | 4.8 |
| 631 N Nellis Blvd Las Vegas, NV 89110 | (702) 215-4400 | — | 4.8 |
| 6382 W Lake Mead Blvd Las Vegas, NV 89108 | (702) 636-2888 | — | 4.7 |
| 6510 Boulder Hwy #101 Las Vegas, NV 89122 | (702) 777-1888 | — | 4.8 |
| 6510 N Buffalo Dr Las Vegas, NV 89131 | (702) 360-8800 | — | 4.9 |
| 6820 W Charleston Blvd Las Vegas, NV 89117 | (702) 880-5300 | — | 4.7 |
| 7350 W Cheyenne Ave #111/112 Las Vegas, NV 89129 | (702) 216-5888 | — | 4.8 |
| 7910 S Rainbow Blvd #135 Las Vegas, NV 89139 | (702) 815-1888 | — | 4.7 |
| 8030 Blue Diamond Rd Las Vegas, NV 89113 | (702) 998-9000 | — | 4.7 |
| 8505 S Eastern Ave #104 Las Vegas, NV 89123 | (702) 869-8777 | — | 4.7 |
| 8520 W Warm Springs Rd Las Vegas, NV 89113 | (702) 216-8999 | — | 4.7 |
| 9425 W Tropicana Ave Ste 104 Las Vegas, NV 89147 | (702) 562-2200 | — | 4.8 |
| 1600 N Nellis Blvd Suite 102 Las Vegas, NV 89115 | (702) 438-9553 | — | 4.9 |
| 2400 N Buffalo Dr #140 Las Vegas, NV 89128 | (702) 242-8555 | — | 5.0 |
| 2550 S Eastern Ave Las Vegas, NV 89169 | (702) 431-8700 | — | 5.0 |
| 3391 E Tropicana Ave Las Vegas, NV 89121 | (702) 880-0707 | — | 5.0 |
| 3525 S Fort Apache Rd Ste. 160 Las Vegas, NV 89147 | (702) 362-0054 | — | 5.0 |
| 3810 Blue Diamond Rd Ste. 105 Las Vegas, NV 89139 | (702) 361-2721 | — | 5.0 |
| 3900 W Sahara Ave Las Vegas, NV 89102 | (702) 262-5479 | — | 5.0 |
| 4077 W Charleston Blvd Las Vegas, NV 89102 | (702) 878-6800 | — | 4.9 |
| 4811 W Craig Rd Las Vegas, NV 89130 | (702) 255-2274 | — | 5.0 |
| 4944 Boulder Hwy Las Vegas, NV 89121 | (702) 222-3400 | — | 5.0 |
| 6436 N Decatur Blvd Ste. 115 Las Vegas, NV 89131 | (702) 395-9111 | — | 5.0 |
| 6450 W Lake Mead Blvd Las Vegas, NV 89108 | (702) 638-2292 | — | 5.0 |
| 6525 S Fort Apache Rd Las Vegas, NV 89148 | (702) 361-3559 | — | 5.0 |
| 6795 W Tropicana Ave Ste 140 Las Vegas, NV 89103 | (702) 221-1050 | — | 5.0 |
| 7380 S Eastern Ave Ste. 126 Las Vegas, NV 89123 | (702) 616-2555 | — | 5.0 |
| 7615 S Rainbow Blvd #100 Las Vegas, NV 89139 | (702) 260-0607 | — | 5.0 |
| 8414 Farm Rd Ste. 130 Las Vegas, NV 89131 | (702) 560-6264 | — | 5.0 |
| 9555 S Eastern Ave #105 Las Vegas, NV 89123 | (702) 263-7655 | — | 4.9 |
| Charland Square, 1225 E Charleston Blvd Las Vegas, NV 89104 | (702) 382-1002 | — | 5.0 |
| Rapid Cash 1532 N Jones Blvd Las Vegas, NV 89108 | (702) 631-2274 | — | 4.9 |
| Rapid Cash 25 N Lamb Blvd Las Vegas, NV 89110 | (702) 453-2274 | — | 4.9 |
| Rapid Cash 2710 S Maryland Pkwy a Las Vegas, NV 89109 | (702) 866-2274 | — | 4.9 |
| Rapid Cash 2801 W Washington Ave Ste A Las Vegas, NV 89107 | (702) 639-2274 | — | 4.9 |
| Rapid Cash 4199 S Fort Apache Rd D Las Vegas, NV 89147 | (702) 257-6770 | — | 5.0 |
| Rapid Cash 4241 S Nellis Blvd Las Vegas, NV 89121 | (702) 454-6770 | — | 4.9 |
| Rapid Cash 4343 N Rancho Dr #150 Las Vegas, NV 89130 | (702) 382-6770 | — | 4.9 |
| Rapid Cash 4921 W Sahara Ave Las Vegas, NV 89146 | (702) 222-2274 | — | 4.9 |
| Rapid Cash 5067 E Owens Ave Las Vegas, NV 89110 | (702) 307-6081 | — | 4.9 |
| Rapid Cash 5676 S Eastern Ave Las Vegas, NV 89119 | (702) 243-6770 | — | 5.0 |
| Rapid Cash 6115 W Flamingo Rd Ste A Las Vegas, NV 89103 | (702) 365-7722 | — | 4.9 |
| Rapid Cash 7460 W Cheyenne Ave #110 Las Vegas, NV 89129 | (702) 396-2274 | — | 4.9 |
| Rapid Cash 7865 W Sahara Ave #103 Las Vegas, NV 89117 | (702) 242-2831 | — | 5.0 |
| 1175 E Charleston Blvd Suite 120, 130 Las Vegas, NV 89104 | (702) 384-6669 | — | 3.9 |
| 250 N Nellis Blvd Las Vegas, NV 89110 | (702) 459-0222 | — | 4.8 |
| 2615 E Tropicana Ave Las Vegas, NV 89121 | (702) 898-3300 | — | 5.0 |
| 2950 W Sahara Ave Las Vegas, NV 89102 | (702) 221-0083 | — | 4.6 |
| 6016 W Tropicana Ave Ste 1 Las Vegas, NV 89103 | (702) 365-0088 | — | 4.8 |
| 7291 W Lake Mead Blvd Las Vegas, NV 89128 | (702) 256-4555 | — | 4.8 |
| 730 E Flamingo Rd Suite 11 & 12 Las Vegas, NV 89119 | (702) 458-9509 | — | 4.8 |
| 7380 S Rainbow Blvd #108 Las Vegas, NV 89139 | (702) 471-6669 | — | 4.9 |
| 8164 S Las Vegas Blvd Ste 104 Las Vegas, NV 89123 | (702) 387-6669 | — | 5.0 |
| 9275 W Flamingo Rd Suite 100 Las Vegas, NV 89147 | (702) 368-6669 | — | 4.5 |
| 9400 S Eastern Ave Ste 109 Las Vegas, NV 89123 | (702) 270-6669 | — | 4.9 |
| 1149 E Desert Inn Rd ste b & c Las Vegas, NV 89109 | (702) 940-3900 | — | 4.9 |
| 1995 N Nellis Blvd C Las Vegas, NV 89115 | (702) 413-0280 | — | 4.9 |
| 3209 W Sahara Ave Las Vegas, NV 89102 | (702) 889-0003 | — | 4.8 |
| 4625 E Tropicana Ave Las Vegas, NV 89121 | (702) 442-0220 | — | 4.9 |
| 6433 W Charleston Blvd Las Vegas, NV 89146 | (702) 475-9217 | — | 5.0 |
| 6708 W Cheyenne Ave Las Vegas, NV 89108 | (702) 644-6700 | — | 4.8 |
| 6883 S Eastern Ave ste 400 Las Vegas, NV 89119 | (702) 438-2274 | — | 4.9 |
| 8450 W Sahara Ave #114 Las Vegas, NV 89117 | (702) 869-5599 | — | 4.9 |
| 865 N Lamb Blvd #16 Las Vegas, NV 89110 | (702) 437-1234 | — | 4.9 |
| 1272 S Nellis Blvd Las Vegas, NV 89104 | (702) 560-6480 | — | 3.1 |
| 4975 S Fort Apache Rd Unit 108 Las Vegas, NV 89148 | (702) 560-2700 | — | 3.5 |
| 580 E Windmill Ln Ste 100 Las Vegas, NV 89123 | (702) 329-5889 | — | 4.6 |
| 7201 W Lake Mead Blvd Ste 500 Las Vegas, NV 89128 | (702) 329-8684 | — | 2.9 |
| 8751 W Charleston Blvd #290 Las Vegas, NV 89117 | (702) 789-5156 | — | 4.1 |
| 1814 E Charleston Blvd Las Vegas, NV 89104 | (702) 847-7310 | — | 4.7 |
| 2433 E Tropicana Ave Las Vegas, NV 89121 | (725) 201-6645 | — | 4.8 |
| 3300 S Decatur Blvd Ste 4 Las Vegas, NV 89102 | (702) 847-7548 | — | 4.9 |
| 568-A N Eastern Ave A Las Vegas, NV 89101 | (702) 847-7311 | — | 4.9 |
| 3675 S. Rainbow Blvd, Suite 100 Las Vegas, NV 89103 | (702) 251-1536 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 4001 S. Decatur Blvd, Suite 7 Las Vegas, NV 89103 | (702) 251-1532 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 560 N. Nellis, Ste. E-5 Las Vegas, NV 89110 | (702) 459-0724 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1008 E Charleston Blvd Las Vegas, NV 89104 | (702) 383-8188 | — | 4.9 |
| 1600 N Nellis Blvd Ste 104 Las Vegas, NV 89115 | (702) 438-8188 | — | 4.9 |
| 4755 W Flamingo Rd Ste B Las Vegas, NV 89103 | (702) 362-0578 | — | 4.9 |
| 6543 S Las Vegas Blvd #02B155 Las Vegas, NV 89119 | (702) 575-6400 | — | 4.8 |
| 7160 Rafael Rivera Wy Las Vegas, NV 89113 | (702) 683-7777 | — | — |
More about Las Vegas
Only credit union headquarters are listed, with the address on file with the NCUA; phone numbers and branch locations are on each credit union’s website. Many credit unions also have branches in Las Vegas and nearby — check membership requirements, as some are open to anyone who lives or works in the area. Loan stores: storefront locations of major payday, installment and title lenders; call ahead to confirm hours.