Henderson is Nevada's second-largest city, with a 2024 population of 337,305 across 107.7 square miles of Clark County. It sits roughly 12 to 15 miles southeast of mid-Strip, with no direct rail or transit between the two — a separate market, on separate paperwork.
Distance matters here for reasons beyond the drive. Henderson was incorporated in 1953 and is a residential market first: the median household income is $90,138, about 15 percent above the state median of $78,260, and 66.1 percent of occupied housing units are owner-occupied against a median home value of $484,900. That profile tends to mean established owners borrowing against goods they already hold, rather than transient Strip liquidity. If your matter is closer to the resort corridor, our Las Vegas desk covers that jurisdiction.
Licensing is the other reason the two cities are not interchangeable. Nevada pawn shops are licensed by the county, city or town, so a Henderson-based collateral lender operates under city and county authority distinct from Las Vegas or unincorporated Clark County. Loans on this desk are originated by licensed lender partners; we do not lend as principal.
Nevada defines a pawnbroker broadly. Under NRS 646.010, the term covers every person engaged, in whole or in part, in the business of loaning money on the security of pledges, deposits or other secured transactions in personal property. That reaches well beyond a storefront window.
On rate and term, the current figures come from a 2011 amendment. Under NRS 646.050, a pawnbroker may charge interest at 13 percent a month on money loaned on the security of personal property received in pledge, and may make an initial charge of $5 in addition to interest at the authorized rate. The 2011 Legislature raised that monthly rate from 10 percent and cut the redemption hold from 120 days to 90.
The redemption hold is the protection worth understanding before you sign. All personal property must be held for redemption for at least 90 days after the date of pledge, and the pawnbroker must give a printed receipt clearly showing the amount loaned, the rate of interest, and a description of the pledged property. Read that receipt at the counter, not after.
Title lending sits under a different chapter with its own limits. Under NRS 604A.5076, a licensee shall not make a title loan that exceeds the fair market value of the vehicle securing the loan, nor make one secured by a vehicle the customer does not legally own. On term, NRS 604A.5074(1) limits the original title-loan period to 30 days, and NRS 604A.5074(3) permits a duration of up to 210 days where the loan meets that subsection's requirements.
This desk works with portable, verifiable collateral. Timepieces are a common case — see the watches page for how we approach brand, reference and condition — as is gold, valued by weight and fineness. Because a pawn advance is secured by the item and governed by the redemption and receipt rules above, the underwriting question is the asset, not a credit narrative.
The how it works page walks the full sequence: description, valuation, written terms, and the redemption window. Nothing on this page is an approval, and no figure here is a quote for your specific item.
Henderson's larger employers include FedEx Ground, Amica and Henderson Hospital, and its anchor destinations are the Water Street District downtown, Green Valley Ranch Resort and Lake Las Vegas. We handle clients across those areas by appointment, whether the need is a short bridge against a watch or a title-secured advance under Chapter 604A.
A note on the numbers. The statutory rates and terms above are current law as cited, but they are general guidance, not loan offers. Your actual rate, advance amount and term depend on the item, its verified value, the originating lender partner's licensing and underwriting, and the statute that governs the specific product. The full disclosures set out those conditions. Bring the item and the paperwork that proves you own it; we will tell you plainly what we can and cannot do.
Loans are originated by licensed lender partners. Loan offers, terms, rates and final decisions are made by the originating licensed lender at appraisal — figures shown here are general guidance, not loan offers.
Last reviewed August 6, 2026.
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