MoneyGeek’s Pick for Best Personal Loan Lender in Nevada: LightStream

It’s important to consider your particular needs and situation when looking for personal loans in Nevada. To help you find the best options, MoneyGeek analyzed and compared more than 30 data points, including BBB ratings, loan amounts, repayment lengths, interest rates, fees and minimum requirements. Additionally, we studied what may affect your chances of getting a personal loan. Among these factors are minimum credit score, gross income and debt-to-income ratio.

Best Overall Personal Loan Lender in Nevada: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds


    on LightStream Website

Best Personal Loan Lender 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


    on Upstart Website

Best Personal Loan Lender for Good Credit in Nevada: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


    on SoFi Website

Best Personal Loan Lender for Debt Consolidation 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


    on Upgrade Website

Best Personal Loan Lender for Home Improvement in Nevada: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg

    on Best Egg Website

How to Choose the Best Personal Loan Lender in Nevada for You

The average personal loan debt in Nevada is $18,301. The most common reasons for acquiring a personal loan include debt consolidation, home improvements, large purchases, medical bills and emergency expenses.

Before applying for a personal loan, it’s important to consider many factors, including your credit score and monthly income. MoneyGeek outlined the following steps to help you decide whether a personal loan in Nevada is what you need.


Ask Yourself the Important Questions

Before anything else, ask yourself these questions to determine if a personal loan is your best option.

  • How much money do you need? Consider your current financial situation and how much money you need. For example, how much high-interest credit card debt do you have that a personal loan may help you save money on by consolidating for a lower interest rate?
  • What is your credit score? Lenders evaluate your credit score to get a sense of how responsible you are when handling debts. A high credit score can get you a lower interest rate and better loan terms.
  • Can you afford the monthly payment? On average, you have to make monthly payments for 2–4 years. It’s vital to know if you can afford to pay every month to avoid late fees and ruining your credit score.
  • How much debt do you already have? If you’re already paying off other loans, adding another might put you in a tight financial spot.

Do Your Research

Gathering relevant information is vital in determining the right personal loan lender for you. Compare rates from different lenders to narrow down your options and get the best deal possible. Also, research if your prospective lender conducts a hard credit check, which can affect your credit score. Note if they impose restrictions on the usage of funds as well.

MoneyGeek created this guide to provide you with necessary information about personal loans in Nevada. But our recommendations may not cover your unique situation. Doing your own research can help you find the best lender for your financial needs.



Take a step back to think after researching personal loans in Nevada. Sometimes, it’s tempting to immediately send in your application after deciding on a lender. But there’s no need to be hasty. Think it over for a day or two before confirming that a personal loan is your best option.


Read the Fine Print

After you revisit your decision, it’s critical to check if you missed the little things when researching personal loans. Read and understand the fine print. That way, you won’t be surprised by fees, such as an origination fee or prepayment penalty. Knowing this can save you money in the long run.



If you’re 100% sure about your personal loan lender, the only thing left to do is submit your application. Prepare all the necessary documentation that your lender might require. Usually, that’s your identification, address verification and proof of income. Make sure your information is accurate and thorough before submitting it.

Some lenders give you the option to apply online. However, there’s no harm in calling or visiting your lender in person if possible.

What To Do if You Can’t Get a Personal Loan in Nevada

Sometimes, personal loan applications get denied. That can be discouraging, especially if you intend to use the money for tackling home renovations or financing your dream vacation. But it’s okay. Be proactive and figure out what affected your lender’s decision to ensure it doesn’t happen again.

Don’t hesitate to contact your lender and inquire about their reason for the rejection. Then, ask if there’s a way to modify your application to make it more acceptable. For example, shortening your loan term or decreasing your loan amount.

If the decision is final, you can try applying to a different lender. Although, this move isn’t really advisable until you improve the factors that caused your application to get rejected in the first place.

If you want to look at borrowing alternatives, be careful of payday loans. They may be an attractive option since they can provide you quick access to cash, but they come with disadvantages, such as shorter payback periods and higher interest rates.

Frequently Asked Questions About Personal Loans in Nevada

The best personal loan depends on your needs and other credit and income factors. To help you find the best options, MoneyGeek answered some frequently asked questions about personal loans in Nevada.

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We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible — like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are decided and chosen with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.


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.