- Payday loans in Fallon follow Nevada law (NRS chapter 604A).
- We could not verify a fee cap for Nevada; check current limits with the Nevada Financial Institutions Division.
- 1 credit union is headquartered in Fallon; ask about small-dollar loans before borrowing.
Fallon at a glance
| Fallon | |
|---|---|
| Population (2024 Census estimate) | 9,647 |
| Change since 2020 | +3.4% (growing) |
| County | Churchill County |
| Size rank among 19 Nevada places we cover | 11th |
| Nearest larger city | Fernley (about 23 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Churchill County | 1 |
| Other towns within 25 miles | 1 (about 25,508 residents) |
| Typical payday APR statewide (CRL 2023) | 548% |
Payday lending in Fallon follows Nevada state law. Lenders that serve Fallon, in a store or online, must be licensed by the Nevada Financial Institutions Division.
Credit unions in Fallon
These credit unions have their main office in Fallon, according to NCUA call report data (June 2026):
- Churchill County Federal Credit Union (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Fallon
The main Nevada rules for a payday loan in Fallon: 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 Fallon
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 Churchill County before you borrow
- Call or text 211 for help with rent, utilities and food in Churchill 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 Fallon
The nearest larger city is Fernley, about 23 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 Fallon?
Yes. Payday loans are legal in Fallon under Nevada state law, and lenders must be licensed by the Nevada Financial Institutions Division.
How much does a payday loan cost in Fallon?
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.
Are there credit unions in Fallon?
Yes. NCUA data lists 1 credit union with a main office in Fallon, including Churchill County Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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