Looking for an Unsecured Personal Loan in Nevada?

credit check for unsecured personal loan NevadaDo your credit cards keep you up all night? Do you have so much debt built up that you stress over how you are going to pay off the balances? What if there was a program that can do just that — a program that could find you options for a personal loan that can have you stress-free in as little as 5 minutes? Our Loan Discovery Program does just that! We can get you the money you need to live without credit card stress, and it all starts with our loan discovery questionnaire.

Do you feel alone, like you’re the only one with high balances on your credit cards? Do you think that lenders will deny your request for money because you do owe so much? Know that over 170 million people in the United States over the age of 18 have credit card debt. This means that there are other people just like you looking for ways to get that debt under control. We have already helped 1.5 million people find an unsecured personal loan to help them with their financial needs. We can still help millions more. Our network of lenders is ready to provide you with the assistance you need to get a good night’s sleep again.

Unsecured Loans for People with Bad or No Credit

Are you concerned about your bad credit keeping you from receiving a personal loan? Don’t be. We assist people with bad credit and no credit as much as we do people with good credit. So how does it work? There are unsecured personal loan options available for people just like you, and our team is dedicated to finding those options for you. Visit our loan discovery page and complete the simple questionnaire.

  • It only takes 60 seconds to complete
  • It is free for you to use
  • You provide us with your credit score

Your credit score is a major factor lenders consider when making a loan decision. It represents your trustworthiness — whether or not you will repay the loan. While we still require your credit score (you provide us with this), we look at more than just the number. We look at your complete situation in order to find you the right option to get out of credit card debt. If you do not know your current credit score, find out how to get a current report on our Check My Credit Score page.

  • It is free for you to use
  • Checking your own score does not negatively impact your credit score
  • It allows for quicker processing

Nevada’s Struggles

Nevada is the center for gambling in the United States. Many people win a decent amount of money. Many others lose a good amount. There are even more people who go into debt because of gambling in the state’s major gaming hubs. Because of this, residents are relying more on their credit cards to make ends meet. They are putting their utility payments, mortgage or rent payments, and everything else on their cards because they do not have the money to pay for them. Nevadans hold an average of $7,800 in credit card debt. If you have credit card debt in the State of Nevada, then you may want to consider a personal loan to clear that debt and get you back on financial track — along with gambling responsibly.

The state also suffers from subpar education. In fact, it has the 2nd lowest ranking among all of the states; only New Mexico has a worse education system in terms of primary schooling. With reading and math scores so low, it will be hard for these young people to get into well-paying jobs as they get older. That makes it difficult for them to afford the necessities of life, purchase a vehicle, start a family, and spend money responsibly. This can lead to a native Nevadan needing to rely on an unsecured personal loan to recover from the mistakes they may make and start anew.

Nevada Laws and Regulations for Bad Credit Personal Loanscredit score

Nevada is lacking in usury laws. This means that there is no set limit on the interest allowed to be charged on a loan (Nevada Revised Statutes § 99.040). State law leaves it up to the two parties involved to negotiate a reasonable rate for borrowing money. Because there is no cap on interest rates, there is no penalty for lenders who charge excessive percentages. This is where a borrower needs to be careful and shop around for a loan; using a loan brokerage service is a good way to shop around without adversely affecting your credit score.

Loans in excess of a 40% interest rate are considered high-interest and are allowed but under certain circumstances. These criteria include not being subject to an extension, regular installment payments are made, and does not contain a balloon payment at the end of the loan (§ 604a.0703). Loans with an interest rate in this range can be very dangerous because they cost consumers a lot of extra money, especially compared to the rest of the country where the average interest rate is between 15% and 18%. If a high-interest loan is offered, a borrower should seek out alternative options for financing.

Loans Now: Core Policies & Procedures

  • Never collect or share sensitive customer information: SSN, DOB, Address.
  • Never collect up-front payment to process a customer’s loan application / or fund a loan. Loans Now will NEVER ask you to send us money in any form.
  • Introduce customers to our Loan Discovery Process. A one-on-one loan service strategy that fits every customer’s unique needs with the right lender for them

Nevada Personal Loan for Bad Credit Lending Regulator

Within the Nevada Department of Business and Industry is the Financial Institutions Division. This division is Nevada’s means of regulating the practices of the lending industry. It is through this division that complaints are made, investigations of practices are conducted, and licenses are issued to those involved in the consumer finance business.

Financial Institutions Division

Office of the Commissioner
3300 W. Sahara Ave., Suite 250
Las Vegas, Nevada 89102
(702) 486-4120

Financial Institutions Division

Office of the Commissioner
3300 W. Sahara Ave., Suite 250
Las Vegas, Nevada 89102
(702) 486-4120

Personal Loans Starting at 4.99%
  • Loan Discovery Process
  • Credit Scores Reviewed to 450
  • 2, 3, 5 & 7 Year Terms
  • Loan Amounts $500 - 70K

No Initial Credit Check!

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