Nevada Personal Loan Laws and Regulations (NV)

(last updated 11/20/2019)

NRS 675.310  Collection of loans made outside State.  Any loan made outside this state lawfully made as permitted by the laws of the state in which the loan was made may be collected or otherwise enforced in this state in accordance with its terms. (Added to NRS by 1959, 234; A 1971, 1370)

NRS 675.330  Payment in money, credit, goods or things in action, as consideration for sale, assignment, or order of compensation, deemed loan of money; transaction subject to provisions of chapter.  The payment of money, credit, goods or things in action, as consideration for any sale, assignment or order for the payment of wages, salary, commissions or other compensation for services earned or to be earned, shall, for the purposes of regulation under this chapter, be deemed a loan of money secured by the sale, assignment or order. The amount by which the compensation so sold, assigned or ordered paid exceeds the amount of the consideration actually paid shall, for the purposes of regulation under this chapter, be deemed interest or charges on the loan from the date of the payment to the date the compensation is payable. Such a transaction is subject to the provisions of this chapter. (Added to NRS by 1959, 235; A 1971, 1371; 1973, 1520; 1987, 179)

NRS 675.340  Assignment of wages as security invalid.  No assignment of wages, salary, commissions or other compensation for services, whether earned or to be earned, given to a licensee as security for a loan under this chapter, shall be valid. (Added to NRS by 1959, 235)

NRS 675.350  Prohibited practices by licensees.  No licensee may: 1.  Take any confession of judgment or any power of attorney running to himself or herself or to any third person to confess judgment or to appear for the borrower in a judicial proceeding. 2.  Take any note or promise to pay which does not disclose the date and amount of the loan obligation, a schedule or description of the payments to be made thereon and the rate or aggregate amount of the agreed charges. 3.  Take any instrument in which blanks are left to be filled in after the loan is made. 4.  Take a lien upon real property as security for any loan made under this chapter except real property upon which is situated a mobile home or factory-built housing that also secures the loan, and except such lien as is created by law through the rendition or recording of a judgment. (Added to NRS by 1959, 235; A 1959, 783; 1979, 829; 1991, 884)

NRS 675.360  Duties of licensee.  Every licensee shall: 1.  Deliver to the borrower, or if more than one, to one of them, at the time of making a loan under this chapter a copy of the loan obligation or, in lieu thereof, a statement showing in clear and distinct terms the date of the loan, the amount of the obligation, the date of its maturity, if there is one, the nature of the security, if any, for the loan, the name and address of the borrower and of the licensee, and the description or schedule of payments on that loan. 2.  Except as otherwise provided for loans for an indefinite term in NRS 675.369, give to the person making any cash payment on account of any loan a receipt at the time that payment is made, showing the balance due, if any, after application of that payment. A receipt showing the amount of the payment only may be given temporarily and must be replaced within a reasonable time with a receipt as prescribed in this subsection. 3.  Permit payment in advance in an amount equal to one or more full installments at any time during the regular business hours of the licensee. 4.  Upon repayment of a loan in full, mark plainly every note or other evidence of the indebtedness or assignment signed by any obligor, or a copy thereof, with the word “paid” or “cancelled,” and release or provide the borrower evidence to release any mortgage or security instrument no longer securing any indebtedness to the licensee. (Added to NRS by 1959, 235; A 1985, 1679; 1995, 137)
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Nevada, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Nevada Financial Institutions Division.
The following classes of lending organizations may be exempt from some, all, or none of the laws set by the state of Nevada. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Nevada Personal Loan Lending Regulator (NV)

Regulating Authority
Nevada Financial Institutions Division
2785 East Desert Inn Road
Suite 180
Las Vegas, Nevada 89121
Toll free: (866)858–8951, (702) 486-4120

Agency for Handling Complaints
Nevada Financial Institutions Division
2785 East Desert Inn Road
Suite 180
Las Vegas , NV 89121
Toll free: (866)858–8951, (702)486-4120


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