Best Low-Income Loan Lenders in Nevada

To rank the best low-income loan lenders in Nevada, MoneyGeek analyzed more than 30 data points, including interest rates, loan amounts, APR ranges, payback schedules, minimum income levels, time to receive funds and more.

MoneyGeek data shows that Upgrade is Nevada's top overall lender for low-income loans, while LendingClub is the best runner-up. Meanwhile, Upstart is the best option for borrowers with poor credit, and Prosper may be the top choice for individuals with excellent credit.

Best Overall Low-Income 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


Runner-Up for Best Low-Income Loan in Nevada: LendingClub

  • LendingClub

    • 7.04% to 35.89%APR Range
    • 600Minimum Credit Score
    • $1,000 to $40,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Best Low-Income Loan for Bad Credit 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


Best Low-Income Loan for Good Credit in Nevada: Prosper

  • Prosper

    • 7.95% to 35.99%APR Range
    • 640Minimum Credit Score
    • $2,000 to $40,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Low-Income Loan in Nevada for You

Choosing the right low-income loan is an important decision that can affect your financial future. You should consider a variety of factors before making a decision, like your credit score, current debts and income.

In addition to these considerations, it’s also worth looking into interest rates and any hidden fees or penalties. In Nevada, the average personal loan debt is $18,301, so you are far from alone in seeking such a loan.

Take the following steps when shopping for loans in Nevada.


Ask Yourself the Important Questions

When you’re looking for low-income loans, it can be difficult to find the best fit. There are many different types of loans out there, all with their own terms and requirements, so how do you choose which is right for you? The first step is to figure out what your needs are.

  • How much funding do you need? Your needs will determine the exact amount you can borrow. Although most lenders are willing to lend up to $50,000, you shouldn't borrow more than you need, as this can make your loan more expensive.
  • What’s your credit score? Your credit score is one of several factors that make up your financial profile. A higher credit score means a more favorable interest rate, which can save you thousands of dollars over time.
  • Can you afford the monthly payments? It's important to think about whether or not you can afford to pay back what you've borrowed. You'll want to take into consideration other debts and expenses before taking out a new loan; this way, there won't be any surprises.
  • Do you have existing debts? If so, it's critical that these are managed as well. Piling on too much debt may only cause additional problems down the road.
  • Is your debt manageable through other means? You might be able to handle your financial need through other methods that aren’t as much of a long-term commitment. For example, you could use a credit card.

Do Your Research

In order to find the best low-income loan in Nevada, you need to do your research. This includes looking at a variety of lenders, rates and terms. It's important to know what type of qualification is required by the lender and any additional benefits that might be included with the loan. Loan applications don’t always offer an apples-to-apples comparison, so do some research before settling on one.



MoneyGeek recommends waiting for a day or two before deciding on the best low-income loan. Review your options with a variety of lenders to find one with rates you can afford. A personal loan is a significant financial commitment, and it’s important to ensure you get the right loan for your needs.


Read the Fine Print

Carefully study the fine print, including the terms, rates, fees and so on. Ensure everything is clear before signing the agreement. Do not rush into anything, as you might be putting your personal finances at risk.



Once you are sure about the lender, it's time to apply. The application process can vary between lenders. But most lenders require identification, address verification and proof of income. It is standard for lenders to require these materials during the application process, so be prepared when applying. For some people, it might be easier to apply online, but there is no harm in calling or visiting the lender if available.

What to Do if You Can’t Get a Low-Income Loan in Nevada

Low-income loan applications are sometimes denied due to low credit scores, lack of income or not meeting other eligibility criteria. If you can't get a low-income loan in Nevada, try calling or emailing the lender to find out the reason your application wasn't approved.

You might be able to modify your application so that it is acceptable to the lender. Examples include shortening the length of your loan term or reducing the amount you want to borrow.

If you can’t get a low-income loan with a particular lender in Nevada, you may want to apply with another lender after addressing the factor that led to your rejection. Although payday loans may seem enticing, be aware of the high interest rates and short repayment terms that often put borrowers in an even worse financial position.

Calculate Your Monthly Payment

The affordability of a low-income loan is determined by the interest rate, the length of the loan term and the number of payments. Before applying for a personal loan, you should calculate your monthly payment to see if it is within your budget.

MoneyGeek's personal loan calculator can help you determine the monthly payment on any personal loan with ease. All you need to do is input the details of the desired loan.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Low-Income Loans in Nevada

The best low-income personal loan lender for you in Nevada will depend on your personal needs and various other credit and income factors. MoneyGeek answered the most commonly asked questions to help determine the best provider for your particular needs.


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MoneyGeek evaluated more than 30 personal loan lenders using at least 35 data points in six major categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each rating category, we analyzed a number of data criteria that, in our opinion, bear the most weight when selecting a personal loan provider. These include APR ranges, accessible loan amounts, minimum credit score requirements, minimum income requirements, application costs and disbursement times.

We value you, the consumer, at MoneyGeek, so we also consider each lender's customer service, company ratings and other services that might make your experience smoother and more accessible, such as prequalification, payment options and mobile applications.

After deliberation and calculation, our recommendations are made with your best interests in mind. Our personal loan suggestions and professional advice are intended to assist you in making prudent financial choices when selecting a lender that matches your requirements.


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.