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Are title loans legal in Nevada?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Nevada, and lenders must follow NRS 604A.5074, 604A.5076, 604A.5078, 604A.5083, 604A.5085, 604A.5086.

Title loan rules in Nevada at a glance

Title loan rules in Nevada
Title-loan lawNRS 604A.5074, 604A.5076, 604A.5078, 604A.5083, 604A.5085, 604A.5086
Rate capNo statutory APR cap — rate set by the agreement; after default, interest limited to the prime rate plus 10% for up to 90 days (NRS 604A.5085)
Loan termUp to 7 months
Loan-to-value limit100.00
Rollovers and renewals6 rollovers
RepossessionAllowed after default
Time to catch up before repossession30 days
Owe the balance after the car is sold?No, the lender cannot collect a remaining balance
Lender licenseRequired
StatuteNRS 604A.5074, 604A.5076, 604A.5078, 604A.5083, 604A.5085, 604A.5086

Source: NRS 604A.5074, 604A.5076, 604A.5078, 604A.5083, 604A.5085, 604A.5086 (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.

What a title loan costs in Nevada

Rate rule in Nevada: No statutory APR cap — rate set by the agreement; after default, interest limited to the prime rate plus 10% for up to 90 days (NRS 604A.5085). We don't show a worked example for Nevada because the law doesn't fix one price. Compare the APR and the total you will repay in each lender's written disclosure before you sign.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Nevada gives you 30 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in Nevada?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Nevada law.

Title loan questions for Nevada

01What is the most a title lender can charge in Nevada?
No statutory APR cap — rate set by the agreement; after default, interest limited to the prime rate plus 10% for up to 90 days (NRS 604A.5085). Your contract must show the APR before you sign.
02How long is a title loan in Nevada?
Up to 7 months, under Nevada law.
03Can I roll over a title loan in Nevada?
6 rollovers. Each renewal adds cost, so ask for the total you will repay.
04What happens if I can't repay a title loan in Nevada?
If you fall behind, the lender can repossess your car, but Nevada gives you 30 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
05Is Lenditup a title lender in Nevada?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Nevada law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.