Best Personal Loans in Las Vegas, NV

Silver State Schools Credit Union is the best personal loan lender in Las Vegas, Nevada, with a MoneyGeek score of 94 out of 100. It allows joint applications, making it easier for borrowers to qualify together. Additionally, it's known for providing financial hardship assistance to borrowers who face unexpected financial challenges.

However, borrowers should consider that membership is needed to apply, which might not be convenient for everyone. Another point to keep in mind is the borrowing limit, which is capped at $50,000.

Laurel Road is recognized as the best online lender for personal loans in Las Vegas, Nevada, with a MoneyGeek score of 93 out of 100. The lender offers personal loans ranging from $5,000 to $45,000, with repayment terms of 36 to 60 months. Laurel Road offers a 0.25% discount for autopayments and does not charge origination fees, which can reduce the overall cost of the loan.

However, it has a high minimum loan amount, which might not be suitable for those needing smaller loans; it also imposes a late fee of 5% or $28, which can add to the cost if payments are not made on time.

WestStar Credit Union ranks as the runner-up for the best personal loans in Las Vegas, Nevada, receiving a MoneyGeek score of 93 out of 100. It is federally insured by the NCUA, offering peace of mind to borrowers. It also has no hidden fees, ensuring transparency in its loan offerings.

However, it does not allow prequalification, which could be a hurdle for potential borrowers wanting to check offers without affecting their credit scores. Additionally, other loan specifics are not disclosed on its website, making it difficult for customers to get all the necessary information upfront.

Nevada State Bank is a suitable choice for personal loans in Las Vegas, Nevada, receiving a MoneyGeek score of 92 out of 100. It offers several benefits for borrowers, including the ability to borrow up to $100,000, which provides significant flexibility for financial needs.

Another positive is that Nevada State Bank does not impose a prepayment penalty, allowing borrowers to pay off their loans early if they wish. However, there is no option to prequalify. Additionally, loans above $15,000 may come with additional conditions, potentially complicating the borrowing process for larger amounts.

One Nevada Credit Union is a good choice for personal loans in Las Vegas, Nevada, with a MoneyGeek score of 87 out of 100. It offers federally insured services by the NCUA, ensuring that members' funds are protected. Additionally, the minimum loan amount of $500 makes it accessible for smaller financial needs.

However, borrowers should be aware that membership is needed to apply, potentially limiting accessibility for some. Also, it does not offer a prequalification option, which might make it difficult to gauge eligibility before a hard inquiry.