Deferred deposit
Loan amount plus relevant open amounts
Existing deferred-deposit loans
Independent provider directory
Nevada borrowing starts with the right 25% test
The same percentage can describe different things. Identify the contract before using an income limit, then call the actual office to compare its payment dates, charges and delivery method.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
High-interest installment
Required monthly payments together
Other outstanding loan payments
Different or exempt product
Its own applicable requirements
Creditor, license and agreement
Nevada regional-operator contacts
Two published Koster Finance offices in the Las Vegas postal area. Confirm current service and hours. No branch coverage is implied for Henderson, Reno or North Las Vegas.
Las Vegas postal area
Koster Finance — Maryland Parkway
3319 S Maryland Pkwy, Suite 1, Las Vegas, NV 89169
Published installment/signature-loan contact. Mon–Fri 9am–6pm; Sat 10am–2pm; Sun closed. This is a Las Vegas mailing address, not a city-boundary determination. [NV02]
Las Vegas postal area
Koster Finance — Desert Inn
4860 W Desert Inn Rd, Suite 3, Las Vegas, NV 89102
Call this office-specific number. Mon–Fri 9am–6pm; Sat 10am–2pm; Sun closed. Confirm the exact product and required visit before applying. [NV03]
The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.
Choose the question before the counter
You need a deferred-deposit transaction
Ask about the amount test and other outstanding deferred-deposit loans. Do not substitute a monthly installment figure for the amount borrowed.
You are considering a signature installment loan
Get the complete schedule. For a covered high-interest loan, the monthly-payment test is different from the deferred-deposit amount test. A product name alone does not settle its legal classification.
You need a northern or suburban location
The two contacts have Las Vegas postal addresses. They do not establish a branch in Henderson, Reno or North Las Vegas. Do not turn a service area into an office address.
Two rules that must not be combined
Nevada’s Chapter 604A uses a 25% expected gross monthly income test for deferred-deposit loan amounts, including other outstanding deferred-deposit loans. For covered high-interest loans, the statutory test concerns monthly payments in combination with other outstanding loans. Neither percentage is an APR cap. [NV01]
| Contract being checked | What to compare with income | Missing input that matters |
|---|---|---|
| Deferred deposit | Loan amount plus relevant open amounts | Existing deferred-deposit loans |
| High-interest installment | Required monthly payments together | Other outstanding loan payments |
| Different or exempt product | Its own applicable requirements | Creditor, license and agreement |
Illustrate the distinction before requesting more
Assume expected gross monthly income of $2,800. Its 25% figure is $700. This arithmetic does not verify eligibility or reproduce every underwriting requirement.
| Separate hypothetical situation | Inputs | Result to discuss |
|---|---|---|
| Deferred-deposit amount | $300 already open + $450 requested | $750, which exceeds $700 by $50 |
| High-interest payment schedule | $250 existing monthly payments + $180 new payment | $430, below $700, but not an approval |
| Household cash flow | $160 remains after essentials | Even the $180 payment leaves a $20 shortage |
Do not read the second line as permission to borrow the first line’s amount. The inputs describe different contracts and different units.
Compare the two office contacts accurately
The Maryland Parkway and Desert Inn cards are the same operator. Use them to choose access, not as evidence of competing lender rates. Their published pages describe installment or signature borrowing; a deferred-deposit product has not been confirmed at these offices. Ask for the legal creditor name and the agreement type before using a statutory calculation. [NV02] [NV03]
Arrange the visit around the actual payout
Ask whether documents can be reviewed remotely, whether an in-person signature is necessary and how accepted funds are delivered. Bank deposit, cash pickup and a card transfer are not interchangeable deadlines. Do not buy transport to a store based only on a generic fast-funding headline. Keep the appointment confirmation and exact street available offline.
Check the total cost beyond the monthly figure
Record net cash, every installment, total repayment and any remaining balance on your planned payoff date. A smaller installment spread across more months can cost more overall. The useful comparison is equal cash received and a clearly stated payoff horizon. Keep optional products separate from the loan and ask whether they can be declined.
Resolve a problem with the named lender
A sign, map result or directory card is not license verification. Match the company and location against Nevada’s regulatory records; keep the contract and complaint evidence. When a due date cannot be met, ask the lender about the repayment-plan rules that apply to that product rather than paying a new intermediary to arrange another loan. [NV01]
Questions before continuing
Are these two locations in incorporated Las Vegas?
The source pages use Las Vegas postal addresses. Municipal parcel boundaries have not been independently checked, so these state-level contacts are not counted as confirmed city branches.
Does 25% mean the loan is affordable?
No. It is a statutory test within its product scope. Rent, food, transport and other essentials can leave far less available.
Is a signature loan the same as a payday loan?
Not necessarily. Obtain the actual agreement, creditor and schedule before applying the deferred-deposit rules.
Related decisions
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Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
