Dealing With Late Utility Bills In Nevada’s Triple-Digit Heat

Dealing with a high energy bill in Nevada can be quite stressful, especially during the hot summer months. Luckily, Nevada Title Loans, Inc. is here to lend a helping hand. A title loan can help you quickly cover your utility bills and any unexpected expenses, giving you peace of mind during those challenging times.

In this guide, we will explain why energy bills get so high during the summer months. We will also review how you can afford an NV high energy bill with emergency financing.

Why Are Summer Electric Cost In NV So High?

In the Silver State, the average electricity bill is expected to be about $740 a month this summer. That’s nearly a 6% rise from the previous year. Nevada will be experiencing intense summer heat, and this is going to lead to higher energy consumption for your AC.

Having a beautiful lawn or a pool will also raise your summer water costs. The typical water bill in the state is about $32. However, these costs can easily double or even triple during the summer months if you use water for landscaping or filling up your pool.

Keep in mind that some areas have a tiered system, which means higher rates will apply for increased water usage. For example, you might pay one rate for the first 5,000-6,000 gallons and a different rate for the next 9,000 gallons, and so on.

4 Ways To Lower Summer Electric Costs In NV

While reducing your energy costs in the summer can be challenging, there are ways to save money. You might not bring them down to spring and fall levels, but you can still cut costs enough to prevent paying more than you can afford.

Here are four ways to lower your high energy bill in Nevada:

1. Use appliances during off-peak hours - You will pay higher rates during peak times. In the summer, this period runs from 6 to 9 PM. If possible, operate your large appliances during off-peak hours. For example, you can wash your dishes and run the washing machine late at night, and keep the air conditioner on overnight to ensure a good night's sleep.
2. Optimize your cooling system - Set your thermostat a few degrees higher when you’re out of the house. Aim for around 78 degrees for maximum savings. Also, regularly clean your AC and replace the air filters every 1-3 months. Keeping up with maintenance allows your HVAC system to cool your home efficiently. During the hottest part of the day, close your curtains and blinds to help block out heat.
3. Seal air leaks - Caulking all leaks can help you save up to 20% on your annual cooling and heating costs. Weather-stripping can be equally effective. The most significant air leaks are typically found in the basement and attic, especially around rim joists, the attic hatch, and in areas where pipes penetrate the building’s envelope. Gaps around your windows, doors, and baseboards may not cause as much air loss, but proper sealing and weatherstripping can still make a big difference.
4. Eliminate ‘energy vampires’ - Devices that are turned off but still consume electricity are usually called ‘energy vampires.’ Remember to unplug such devices when they are not in use. To make it easier to turn off all your devices at once, consider using an advanced power strip. For devices you use regularly, you might want to switch to energy saver mode whenever possible.

What Happens When You’re Late On Your Utility Bills?

If you fail to make the payment on time, you might face several consequences. The first issue to address is late fees. The main electricity provider in Nevada, for example, charges 1.5% of the overdue amount on monthly bills.

In some cases, you might face disconnection, which is the worst-case scenario. Imagine being without electricity or water during the especially hot summer months. Also, unpaid utility bills can affect your credit score. If the bills go to collections, your score could drop significantly, making it harder for you to qualify for loans, credit cards, and many other services.

If your service gets disconnected, you would have to pay a reconnection fee. Sometimes, the utility company might even ask you to make a security deposit to reinstate service.

How Title Loans Can Help With Expensive Energy Bills

To avoid the negative consequences mentioned above, you must pay your utility bills on time. You might find it difficult to cover those, especially in the summer, when electric bills can become extra high. If you need a financial boost to help you cover expenses, you might want to consider a title loan.

With Nevada Title Loans, Inc., you may be able to qualify for up to $15,000 in just 30 minutes. If you have fully paid off your vehicle and own it outright, you can use your lien-free car title as collateral to borrow from the value of your vehicle.

You can get approved for a title loan if you have the required items:

• A state-issued photo ID that displays your full name and age
• A lien-free car title in your name
• Your vehicle for a quick inspection

As long as you have the items mentioned above, you have a good chance of getting approved for a title loan with us. Our approval process is fast and simple, only taking a few steps for you to determine your title loan eligibility.

The Approval Process For A Title Loan In Nevada

Do you feel a title loan is your best financing option for expensive energy bills in Nevada? If so, Nevada Title and Payday Loans, Inc. can help with our fast approval process. You can get approved the same day you apply and receive your fast emergency cash within one business day to handle your energy bills quickly and avoid late fees and service disruptions.

Here are the steps involved in getting approved for Nevada title loans:

• Submit your information through our online loan form
• Answer a phone call from a loan specialist to discuss title loan terms
• Visit the nearest Nevada store location to get your required items verified
• Allow a loan associate to inspect your car to determine your title loan value
• If approved, sign the title loan agreement to finalize the process
• Receive your title loan cash later that day or by the next business day

If you need emergency cash today for high energy bills in Nevada, we can help with our same-day title loans. You can get approved regardless of your credit score, making it an accessible financing option for those with bad credit or no credit at all. You can also keep your car to continue driving to work or school. Submit an online inquiry today to access fast emergency financing.

Borrow A Title Loan In Nevada – Receive Up To $15,000!

When your energy bills become too much to handle, Nevada Title and Payday Loans, Inc. can help with our quick approval title loans. The entire process may only take about thirty minutes, and if you qualify, you could receive the cash as soon as the same or next bank day. Fill out the inquiry form now, and you might be able to pay your bills today!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.