Nevada regulates title loans under NRS Chapter 604A. A Nevada title loan is generally a vehicle-secured loan with an APR above 35%; the lender must be licensed, determine ability to repay, give required disclosures, and follow repayment-plan and post-default rules. A title loan can still lead to repossession and sale of the vehicle.
Last reviewed: August 13, 2026. General consumer information, not legal advice.
Are title loans legal in Nevada?
Yes. NRS 604A defines and regulates title-loan services. A title loan is a loan with an APR above 35% secured by possession of the vehicle title or a perfected vehicle lien; purchase-money vehicle financing and its refinancing are excluded from that definition. A provider offering title-loan services to Nevada customers, including through an Internet site, must be licensed and comply with applicable state and federal law.
Source: Nevada Revised Statutes, Chapter 604A.
Nevada title-loan protections
| Topic | Nevada rule or consumer check |
|---|---|
| Definition | A title loan generally has an APR above 35% and is secured by the title or a perfected lien on a customer-owned vehicle. NRS 604A.105. |
| License | A title-loan service must be licensed under Chapter 604A, including when serving Nevada customers through a website. |
| Vehicle value | A lender may not make a title loan exceeding the fair market value of the vehicle. NRS 604A.5076. |
| Ownership | The lender may not make the loan on a vehicle the customer does not legally own; multiple owners must consent. NRS 604A.5076. |
| Ability to repay | The lender must determine ability to repay using specified underwriting factors and cannot rely on another person’s ability to repay. NRS 604A.5065 and 604A.5076. |
| Required disclosures | The note must disclose loan date and amount, amount financed, APR, finance charge, total of payments, payment schedule, and every fee. NRS 604A.5072. |
| No blank instruments | A lender may not take an instrument with blanks to be filled after the title loan is made. NRS 604A.5072. |
| No wage or check collateral | A lender may not take wages or a check as security for a title loan. NRS 604A.5072. |
| Installment term | An installment title loan may have an original term of up to 210 days only when payments fully amortize principal and interest and there is no balloon payment or extension. NRS 604A.5074. |
| Default remedy | On default, the lender’s sole remedy is generally repossession and sale of the vehicle securing the title loan. NRS 604A.5078. |
| Repayment plan | Before repossession or a collection action, the lender must offer a repayment plan for at least 30 days after default; it generally must allow at least 90 days after default. NRS 604A.5083. |
| Post-default amounts | Chapter 604A limits what can be collected after default and caps specified interest and fee amounts. NRS 604A.5085. |
Before signing
Get the lender’s legal name and license information, complete disclosures, payment schedule, lien documentation, total of payments, payoff amount, and default terms. Do not sign blank instruments or agree to a loan that depends on buying insurance or other products; those practices are prohibited under the title-loan provisions.
Default and repayment plans
Act immediately after a default. Before a lender tries to repossess the vehicle or start a collection action, it must offer a repayment plan and provide written notice of the opportunity within the statutory time period. The plan must be available for at least 30 days after default and generally provide at least 90 days to repay after default. Keep the notice, agreement, receipts, and a written payoff request.
Alternatives and help
- Call 211 for local food, housing, utility, and transportation support.
- Ask a credit union or bank about a personal loan, hardship option, or payment plan first.
- Use the Nevada Financial Institutions Division resources and complaint form for licensing or compliance concerns.
- File a covered consumer-financial complaint with the CFPB.
Cities we serve in Nevada
Local pages remain subject to lender-relationship and quality review. This statewide hub is the Nevada-law reference until individual destinations are validated.
Frequently asked questions
What is a Nevada title loan?
It is generally a vehicle-secured loan with an APR above 35%, as defined by NRS 604A.105.
Must a Nevada title lender assess ability to repay?
Yes. Chapter 604A requires an ability-to-repay determination using specified information.
Can a Nevada lender require insurance with a title loan?
No. The title-loan provisions prohibit making the transaction contingent on buying insurance or other goods or services.
What happens after default?
The lender must offer a repayment plan before attempting repossession or a collection action, subject to the detailed statutory rules.
