Personal loans in Lovelock, NV
The trend for Lovelock between 2020 and 2023 is downward by roughly 0.4%. Lovelock is a small community of about 1,799 residents, and a personal loan taken out here is governed by Nevada statute.
With 1,799 residents, Lovelock outranks about 11% of the communities in Nevada. Borrowers who want a bigger city can look to Fallon, NV about 51 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Lovelock's 1,799 residents. Judge Lovelock offers on total cost, not on how quickly the money arrives.
Where Lovelock stands
Lovelock is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 1,799 residents in Lovelock (Vintage 2023 subcounty estimate), the 17th-largest figure among Nevada's 19 places.
- Population trend: A drop of about 0.4% from 2020 to 2023.
- Absolute change: 7 residents lost between 2020 and 2023.
- Size percentile: about 11% of Nevada communities are smaller than Lovelock (1,799 residents).
- Population density: about 2,089 people per square mile (Census land area 0.9 sq mi).
- By land area: Lovelock ranks 19th among Nevada's 19 places, at 0.9 sq mi.
- Within Nevada: about 0.1% of the state's population lives in Lovelock.
- National standing: Lovelock ranks 8,011th of 19,457 US places.
- Growth rank: Lovelock ranks 13th among Nevada's 19 places for the 2020-to-2023 change.
- Versus Nevada: the state average change is +2.2%, while Lovelock moved 0.4%.
- Density in Nevada: Lovelock ranks 7th by people per square mile.
- Against the state median: Lovelock runs about 2,089 residents per square mile, where the Nevada median is 717.
- Location: latitude 40.1787, longitude -118.4774 (Census Gazetteer).
- Nearest larger cities: Fallon (51 mi); Fernley (57 mi); Winnemucca (67 mi); Sparks (78 mi); Reno (85 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Loyalton (100 mi), each with its own Census population profile.
- Smaller places within 50 miles: 0 of them.
- Larger places within 100 miles: 7.
Lovelock against the rest of Nevada
Against Nevada's other places, Lovelock accounts for about 0.1% of the state's population and ranks 17th of 19 by size. Its 2020-to-2023 change ranks 13th of 19 Nevada places, putting it near the 32th percentile for growth. At about 2,089 people per square mile, Lovelock is the 7th most densely settled place in Nevada. Within 50 miles sit 0 smaller Census places, alongside the 0 that are larger.
How a Lovelock personal loan is priced
Most loans made to Lovelock's 1,799 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Lovelock loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Lovelock loan but raises total interest, so the smallest payment is not the cheapest loan.
Which Nevada laws govern a loan in Lovelock
This table holds the Nevada rate and licensing rules for consumer loans made to Lovelock's 1,799 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Nevada Financial Institutions Division (FID), Department of Business and Industry Source says: "Protects Nevada consumers and strengthens our state's economy by licensing, examining, and supervising banks, credit unions, money transmitters, and related financial services." | Nevada Financial Institutions Division (Department of Business and Industry) as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit loan services must be licensed under NRS 604A Source says: "shall not operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service unless the person is licensed with the Commissioner" | Nevada Legislature (Nevada Revised Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Installment loan business requires a license from the Commissioner (NRS 675.060) Source says: "No person may engage in the business of lending in this State without first having obtained a license from the Commissioner pursuant to this chapter" | Nevada Legislature (Nevada Revised Statutes) as of 2026-09-16 |
The geography behind Lovelock
Lovelock covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 2,089 residents per square mile. The state's population centre of gravity, Las Vegas, is roughly 324 miles away. Counting outward 50 miles, 0 larger communities surround Lovelock. By land area it ranks 19th of 19 Nevada places.
Getting a loan in Lovelock
Lovelock is a fairly dense community of about 1,799 people, with 0 larger places inside a 50-mile radius. Whether Lovelock has a local branch or not, a Nevada-licensed lender can serve its 1,799 people online on the same terms. The nearest bigger place is Fallon, NV about 51 miles away.
Common questions
What are my options in Lovelock if my credit is poor?
What loan size can I expect in Lovelock?
Do I have to pledge anything to borrow in Lovelock?
Does comparing loans in Lovelock cost me credit score points?
Nearby places
- Fallon, NV — population 9,577
- Fernley, NV — population 24,744
- Winnemucca, NV — population 8,261
- Yerington, NV — population 3,194
- Sparks, NV — population 110,323
- Reno, NV — population 274,915
- Carson, NV — population 58,036
- Loyalton, CA — population 728