- Payday loans in Ely 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 206 miles away.
Ely at a glance
| Ely | |
|---|---|
| Population (2024 Census estimate) | 3,892 |
| Change since 2020 | -1.1% (shrinking) |
| County | White Pine County |
| Size rank among 19 Nevada places we cover | 14th |
| Nearest larger city | North Las Vegas (about 206 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 548% |
Payday lending in Ely follows Nevada state law. Lenders that serve Ely, in a store or online, must be licensed by the Nevada Financial Institutions Division.
Credit unions near Ely
NCUA data (June 2026) shows no credit union headquartered in Ely or White Pine County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Ely
The main Nevada rules for a payday loan in Ely: 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 Ely
The Center for Responsible Lending put the typical APR on a $400 payday loan in Nevada at 548% (June 2023). We could not verify a fee cap for Nevada; check current limits with the Nevada Financial Institutions Division. Check any offer with our payday loan calculator.
Other help in White Pine County before you borrow
- Call or text 211 for help with rent, utilities and food in White Pine 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 Ely
The nearest larger city is North Las Vegas, about 206 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 Ely?
Yes. Payday loans are legal in Ely under Nevada state law, and lenders must be licensed by the Nevada Financial Institutions Division.
How much does a payday loan cost in Ely?
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 Ely?
NCUA data shows no credit union headquartered in Ely or its county. Use the NCUA credit union locator to find branches and online credit unions.
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