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Best Bad-Credit Loan Lenders in Nevada

MoneyGeek ranked the top bad-credit loan providers in Nevada using more than 30 data points. We looked at fees, APR ranges, loan amounts and repayment terms.

In addition, we checked into factors that affect convenience when getting a loan. They include credit score requirements, income and debt-to-income (DTI) ratios.

We found Upstart is the overall best loan provider in Nevada for borrowers with bad credit. That said, the best lender for you may vary based on your situation and preferences.

Best Overall Bad-Credit Loan in Nevada: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in Nevada: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Nevada for You

If you need to settle bills or consolidate debt, a personal loan can address your financial needs. Credit scores are only one factor lenders look at.

MoneyGeek suggests taking these steps to help you avoid extra costs and get the best offers.


Ask Yourself the Important Questions

Ask yourself these questions to understand your financial situation better.

  • How much funding do you need? Do the math, then do the math again. You should only borrow the amount you need to avoid unnecessary interest payments.
  • What’s your credit score? Lenders often have credit score requirements. Knowing your score before applying can save time and effort.
  • Can you afford the monthly payments? Personal loans are repaid in monthly installments. Be sure your monthly cash flow can cover your potential loan payments.
  • Do you have existing debts? Lenders look at your DTI ratio to determine your eligibility, so you should too. Know how much debt you have and compare it to how much you bring in.
  • Is your debt manageable through other means? When consolidating debt, you may have options other than bad-credit loans. For instance, a small debt may be covered by a 0% APR credit card. Just be sure you can pay it off before the introductory period ends!

Do Your Research

Getting a personal loan is a major obligation that may come with high interest payments. The average personal loan interest rate in Nevada is 9.16%. But, that may be higher if you have bad credit.

Don't go with the first lender you see. Collect all the information you can about the bad-credit lenders available for you.

Go over APRs, repayment terms, discounts, fees and other features. Read about the provider’s evaluation process and loan restrictions.

MoneyGeek has listed Nevada’s best bad-credit loan providers. However, our findings are based on generalizations. Nothing beats doing your research about the best available lenders for you.



Wait for a day or two before making a final decision. This can give you a fresh perspective, which is crucial when choosing a personal loan provider.

There’s no reason to rush your choice unless you're in an emergency. You can save hundreds, if not thousands, by going with the best lender for you.


Read the Fine Print

Lenders often highlight their best aspects to attract potential borrowers. You shouldn’t base your decision on marketing materials.

Read the lender’s fine print to know all the details about its loans before you commit to an offer. Hidden fees are probably the main thing to look for.

In Nevada, bad-credit loan providers normally don’t charge prepayment fees, but some do. On the flip side, most bad-credit lenders have origination fees. You should know the range of this fee so you can estimate your net loan proceeds.

Reading that fine print can also save you from bad customer service experiences.



Once you’ve researched Nevada's bad-credit lenders and chosen the one for you, you’re ready to apply.

Gather the documents lenders typically ask for, like your identification and income documents. Some lenders ask for other things, too.

You can apply online for most bad-credit loans in Nevada. This is a great option, especially if you don’t have the time to visit a lender’s office.

You can still call or visit a loan company’s branch if you prefer to speak with an actual person.

What to Do if You Can’t Get a Bad-Credit Loan in Nevada

Nevada lenders may deny personal loan applications because of low income or credit.

If you get a rejection, figure out why. Talk to the lender to see if you can adjust your application and get your loan. This could keep you from having to get your credit run again so soon.

But that's not always something they agree to. If you're rejected and can't fix things with that lender, wait a while so you can fix the problem and avoid a credit pull. Too many hard credit checks in a short while can hurt your score. Plus, an unfixed issue is likely to be a problem with other lenders anyway.

Even if you're desperate, avoid payday loans. Their high interest rates and short repayment terms will leave you in debt.

Calculate Your Monthly Payment

Personal loans are repaid monthly and with interest. Use MoneyGeek’s personal loan calculator to ensure you’re prepared. Our tool lets you estimate how much the loan may cost.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in Nevada

You need to study several factors to get a personal loan. MoneyGeek answers some frequently asked questions about bad-credit loans in Nevada.


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MoneyGeek analyzed more than 30 personal loan lenders using 35+ data points in these key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

For each category, we looked at data we think have the most significance. These include application fees, funding times, interest rates, loan amounts and required incomes and credit scores.

MoneyGeek knows there's more to you than dollars and cents, though. So, we factored in a loan provider’s customer service reputation and business ratings. We also accounted for features that make the experience more accessible.

After our analysis, we picked the top performers with your best interests in mind. We intend to help you make better-informed financial decisions.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.