- Payday loans in Caliente follow Nevada law (NRS chapter 604A).
- We could not verify a fee cap for Nevada; check current limits with the Nevada Financial Institutions Division.
- The nearest larger city is North Las Vegas, about 99 miles away.
Caliente at a glance
| Caliente | |
|---|---|
| Population (2024 Census estimate) | 964 |
| Change since 2020 | -1.1% (shrinking) |
| County | Lincoln County |
| Size rank among 19 Nevada places we cover | 19th |
| Nearest larger city | North Las Vegas (about 99 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Lincoln County | 1 |
| Typical payday APR statewide (CRL 2023) | 548% |
Payday lending in Caliente follows Nevada state law. Lenders that serve Caliente, in a store or online, must be licensed by the Nevada Financial Institutions Division.
Credit unions near Caliente
No credit union has its main office in Caliente, but these are based elsewhere in Lincoln County (NCUA, June 2026):
- Pahranagat Valley Federal Credit Union in Alamo (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Caliente
The main Nevada rules for a payday loan in Caliente: maximum loan: no more than 25% of your expected gross monthly income; loan term: up to 35 days for single-payment loans; database: statewide database of short-term loans. See the full Nevada payday loan rules.
What a $300 loan costs in Caliente
We could not verify a fee cap for Nevada; check current limits with the Nevada Financial Institutions Division. Statewide, the typical APR on a $400 payday loan was 548% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Lincoln County before you borrow
- Call or text 211 for help with rent, utilities and food in Lincoln County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Caliente
- Mesquite · 61 mi
- North Las Vegas · 99 mi
- Las Vegas · 106 mi
- Ely · 114 mi
- Henderson · 117 mi
- Boulder · 127 mi
The nearest larger city is North Las Vegas, about 99 miles away. See all 19 Nevada cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Caliente?
Yes. Payday loans are legal in Caliente under Nevada state law, and lenders must be licensed by the Nevada Financial Institutions Division.
How much does a payday loan cost in Caliente?
We could not verify a fee cap for Nevada; check current limits with the Nevada Financial Institutions Division. The typical statewide APR was 548% in 2023.
Where is the nearest credit union to Caliente?
No credit union is headquartered in Caliente, but Pahranagat Valley Federal Credit Union is based in Alamo, also in Lincoln County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- NRS chapter 604A
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary