Las Cruces Personal Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in New Mexico.

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New Mexico Las Cruces

Eligibility Criteria for Personal Loans

  • Valid government-issued ID for identity verification
  • Proof of income or recent bank statements to assess financial stability
  • Demonstrated urgent financial need, explaining the necessity of the cash advance
  • Completed application form with accurate personal and contact information
  • Active bank account for direct deposit of funds
  • Agreement to terms and conditions outlined by the NGO
  • Minimum age requirement, typically 18 years or older
  • Residency within the operational area of the NGO

Trusted Personal Loan Lenders in Las Cruces, NM

Explore our curated list of trusted personal loan lenders, dedicated to providing reliable financial solutions tailored to your needs and empowering you to achieve your personal goals.

Lender
User Ratings
Address
Phone
Category
First American Bank
User Raiting:
5.00
Address: 1553 Avenida de Mesilla, Las Cruces, NM 88005
Phone: +1 (575) 524-8000
Category: Bank
Skipper Financial Group
User Raiting:
5.00
Address: 2455 Missouri Ave Suite A, Las Cruces, NM 88001
Phone: +1 (575) 571-4110
Category: Financial institution
Nusenda Credit Union
User Raiting:
5.00
Address: 1715 E University Ave, Las Cruces, NM 88001
Phone: +1 (575) 523-7750
Category: Credit union
New American Funding - Anna Valles
User Raiting:
5.00
Address: 3050 Roadrunner Pkwy #3, Las Cruces, NM 88011
Phone: +1 (915) 218-6622
Category: Financial institution
Shelly Jett McEntire
User Raiting:
5.00
Address: 141 Roadrunner Pkwy Suite 141, Las Cruces, NM 88011
Phone: +1 (575) 649-7849
Category: Financial institution
Tracy Dupont - CMG Financial Mortgage Loan Officer NMLS# 257928
User Raiting:
5.00
Address: 1990 E Lohman Ave Suite 225, Las Cruces, NM 88001
Phone: +1 (575) 430-1896
Category: Financial institution
Cash Store
User Raiting:
5.00
Address: 3330 Rinconada Blvd UNIT 1, Las Cruces, NM 88011
Phone: +1 (575) 382-5260
Category: Loan agency
Pat Breeding | Castle & Cooke Mortgage, LLC
User Raiting:
5.00
Address: 1115 Commerce Dr Suite A&B, Las Cruces, NM 88011
Phone: +1 (575) 642-2170
Category: Financial institution
First American Bank
User Raiting:
4.90
Address: 2145 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 525-4230
Category: Bank
Payment 1 Loans - Las Cruces
User Raiting:
4.90
Address: 1810 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 523-0424
Category: Loan agency
Loanmax Title Loans
User Raiting:
4.90
Address: 2309 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 647-2750
Category: Loan agency
Beasley, Mitchell, & Co.
User Raiting:
4.90
Address: 509 S Main St Suite A, Las Cruces, NM 88001
Phone: +1 (575) 528-6700
Category: Financial institution
Montana Capital Bad Credit Loans
User Raiting:
4.90
Address: 111 S Solano Dr STE A, Las Cruces, NM 88001
Phone: +1 (575) 216-7035
Category: Loan agency
Montana Capital Bad Credit Loans
User Raiting:
4.90
Address: 1716 W Hadley Ave, Las Cruces, NM 88005
Phone: +1 (575) 216-7202
Category: Loan agency
Rio Finance Company, LLC
User Raiting:
4.80
Address: 2285 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 526-5626
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 2300 N Main St STE 211, Las Cruces, NM 88001
Phone: +1 (575) 527-5037
Category: Loan agency
Check `n Go
User Raiting:
4.80
Address: 1223 El Paseo Rd, Las Cruces, NM 88001
Phone: +1 (575) 541-5927
Category: Loan agency
Cash Store
User Raiting:
4.80
Address: 550 Walton Blvd # 200, Las Cruces, NM 88001
Phone: +1 (575) 524-3000
Category: Loan agency
Wells Fargo Bank
User Raiting:
4.80
Address: 500 S Main St, Las Cruces, NM 88001
Phone: +1 (575) 526-7000
Category: Bank
Sun Loan Company
User Raiting:
4.80
Address: 1600 S Valley Dr Ste C, Las Cruces, NM 88005
Phone: +1 (575) 525-9091
Category: Loan agency
Cash Store
User Raiting:
4.80
Address: 1455 Hickory Dr #2, Las Cruces, NM 88005
Phone: +1 (575) 525-2274
Category: Loan agency
Sun City Finance
User Raiting:
4.70
Address: 3190 Del Rey Blvd, Las Cruces, NM 88012
Phone: +1 (575) 523-8578
Category: Loan agency
New Mexico Title Loans, Inc.
User Raiting:
4.70
Address: 1201 S Solano Dr, Las Cruces, NM 88001
Phone: +1 (575) 541-4070
Category: Loan agency
FirstLight Federal Credit Union
User Raiting:
4.50
Address: 300 Foster Rd, Las Cruces, NM 88005
Phone: +1 (575) 526-4401
Category: Financial institution
Cash Express
User Raiting:
4.40
Address: 1575 El Paseo Rd, Las Cruces, NM 88001
Phone: +1 (575) 527-2274
Category: Loan agency
First Financial Credit Union - Las Cruces
User Raiting:
4.40
Address: 901 E University Ave Ste Q, Las Cruces, NM 88001
Phone: +1 (505) 766-5600
Category: Credit union
Regional Finance
User Raiting:
4.30
Address: 2300 N Main St Suite 205, Las Cruces, NM 88001
Phone: +1 (575) 541-3147
Category: Loan agency
Citizens Bank of Las Cruces
User Raiting:
4.30
Address: 3991 E Lohman Ave, Las Cruces, NM 88011
Phone: +1 (575) 528-6300
Category: Bank
Bank 34
User Raiting:
4.30
Address: 220 N Telshor Blvd, Las Cruces, NM 88011
Phone: +1 (575) 521-8100
Category: Bank
LendNation
User Raiting:
4.30
Address: 1595 El Paseo Rd, Las Cruces, NM 88001
Phone: +1 (575) 527-0073
Category: Loan agency
City Line Pawn & Antiques
User Raiting:
4.20
Address: 3940 W Picacho Ave, Las Cruces, NM 88007
Phone: +1 (575) 652-3847
Category: Financial institution
Citizens Bank of Las Cruces
User Raiting:
4.10
Address: 3030 W Picacho Ave, Las Cruces, NM 88007
Phone: +1 (575) 528-6363
Category: Bank
Pioneer Bank
User Raiting:
4.10
Address: 2900 Roadrunner Pkwy, Las Cruces, NM 88011
Phone: +1 (575) 532-0639
Category: Bank
Guardian Mortgage
User Raiting:
4.00
Address: 421 N Water St, Las Cruces, NM 88001
Phone: +1 (575) 525-8951
Category: Financial institution
U.S. Bank Branch
User Raiting:
3.90
Address: 3790 E Lohman Ave, Las Cruces, NM 88011
Phone: +1 (575) 522-9660
Category: Bank
Assist-2-Sell Buyers & Seller Realty, LLC
User Raiting:
3.70
Address: 4053 Gila Trail, Las Cruces, NM 88005
Phone: +1 (575) 521-7355
Category: Financial institution
Bank of the West
User Raiting:
3.70
Address: 795 S Telshor Blvd, Las Cruces, NM 88011
Phone: +1 (575) 532-1889
Category: Bank
WaFd Bank
User Raiting:
3.70
Address: 1800 S Telshor Blvd, Las Cruces, NM 88011
Phone: +1 (575) 522-2664
Category: Bank
Reditax
User Raiting:
3.70
Address: 700 S Telshor Blvd, Las Cruces, NM 88011
Phone: +1 (575) 522-3651
Category: Financial institution
OneMain Financial
User Raiting:
3.60
Address: 400 N Telshor Blvd b, Las Cruces, NM 88011
Phone: +1 (575) 522-0058
Category: Loan agency
Pioneer Bank
User Raiting:
3.40
Address: 705 E University Ave, Las Cruces, NM 88001
Phone: +1 (575) 532-7545
Category: Bank
LoanMaster
User Raiting:
3.40
Address: 1009 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 523-8011
Category: Loan agency
FirstLight Federal Credit Union
User Raiting:
3.30
Address: 3791 E Lohman Ave, Las Cruces, NM 88011
Phone: +1 (575) 526-4401
Category: Financial institution
First Convenience Bank
User Raiting:
3.30
Address: 3331 Rinconada Blvd, Las Cruces, NM 88012
Phone: +1 (800) 903-7490
Category: Bank
Citizens Bank of Las Cruces
User Raiting:
3.20
Address: 505 S Main St, Las Cruces, NM 88001
Phone: +1 (575) 647-4100
Category: Bank
Security Finance
User Raiting:
3.20
Address: 120 W Picacho Ave, Las Cruces, NM 88005
Phone: +1 (575) 526-6360
Category: Loan agency
U.S. Bank Branch
User Raiting:
2.80
Address: 277 E Amador Ave, Las Cruces, NM 88001
Phone: +1 (575) 647-7310
Category: Bank
Wells Fargo Bank
User Raiting:
2.70
Address: 425 S Telshor Blvd, Las Cruces, NM 88011
Phone: +1 (575) 521-6800
Category: Bank
USA Title Loan
User Raiting:
2.30
Address: 1512 E Lohman Ave, Las Cruces, NM 88001
Phone: +1 (575) 524-7900
Category: Loan agency
Desert Title Lone LLC
User Raiting:
1.00
Address: 601 N Solano Dr, Las Cruces, NM 88001
Phone: +1 (575) 323-3328
Category: Financial institution
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What Are the Alternatives for Short-term Loans in Las Cruces?

Explore safer financial options beyond payday loans, including personal installment loans, credit union offerings, and borrowing from friends or family, to ensure your financial stability and well-being.

Quick Installment Loans

Installment loans are borrowing options allowing repayment over multiple, scheduled payments. They're typically used for larger purchases, providing flexibility with their repayment structure.

Guaranteed Cash Loans

Cash loans provide immediate funds for various needs. Often unsecured, these loans focus on speed, offering almost instant access to necessary cash without extensive approval processes.

Fast Title Loans

Title loans use a vehicle title as collateral. They grant fast access to funds, but it's important to repay to avoid risking your vehicle ownership.

Instant Emergency Loan

Emergency loans deliver quick financial relief during unforeseen circumstances. Their primary appeal is speed, supporting urgent financial needs without lengthy approval.

Payday Loans Online

Payday loans are short-term, small-dollar loans designed for quick repayment on the borrower's next payday. Online options offer increased accessibility and convenience.

No Credit Check P2P Loans

P2P (peer-to-peer) loans connect borrowers with individual investors. Often available with no credit check, these loans provide alternative funding sources without traditional financial institutions.

Debt Consolidation Loans Online

Debt consolidation loans combine multiple debts into a single payment. Online options offer streamlined processes, helping to simplify and manage debt efficiently.

Bad Credit Loans Instant

Bad credit loans cater to individuals with low credit scores. They provide an instant solution for those who may face difficulties securing traditional forms of credit.

How to Use Personal Loans - Useful Resources

Explore our comprehensive guide on utilizing personal loans effectively, complete with useful resources to help you make informed decisions and improve your financial well-being. Start learning today!

Industry
Address
Phone
Bodyshop
Address: 1195 South Solano Drive, Las Cruces, NM 88001
Phone: +1 (575) 649-6259
Car Wash
Address: 2935 North Main Street, Las Cruces, NM 88001
Phone: +1 (575) 541-9010
Club & Association
Address: 121 Wyatt Drive, Las Cruces, NM 88005
Phone: +1 (575) 523-0261
College/University
Address: 3655 Research Road, Las Cruces, NM 88003
Phone: +1 (575) 647-2266
Community Center
Address: 3880 Foothills Road, Las Cruces, NM 88011
Phone: +1 (575) 521-1957
Concert Hall
Address: 211 North Main Street, Las Cruces, NM 88001
-
Consumer Electronics
Address: 540 South Compress Road, Las Cruces, NM 88005
Phone: +1 (575) 523-5614
Dentist
Address: 2569 East Idaho Avenue, Las Cruces, NM 88011
Phone: +1 (575) 523-1479
Fast Food
Address: 435 South Telshor Boulevard, Las Cruces, NM 88011
-
Fitness Club & Center
Address: 2135 Sedona Hills Parkway, Las Cruces, NM 88011
Phone: +1 (505) 900-3533
General Practitioner
Address: 3825 Foothills Road, Las Cruces, NM 88011
Phone: +1 (575) 521-3500
Government Office
Address: 340 North Reymond Street, Las Cruces, NM 88005
Phone: +1 (575) 541-2155
Hospital
Address: 2450 South Telshor Boulevard, Las Cruces, NM 88011
Phone: +1 (575) 522-8641
Hotel
Address: 2143 Telshor Court, Las Cruces, NM 88011
Phone: +1 (575) 532-6500
Library
Address: 225 West Griggs Avenue, Las Cruces, NM 88005
Phone: +1 (575) 526-6689

How to Get to Las Cruces

Complaints about Short-Term Loans in New Mexico

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
55
Struggling to pay your loan
26
Charged fees or interest I didn't expect
17
Problem when making payments
16
Incorrect information on your report
14
Problem with the payoff process at the end of the loan
13
Improper use of your report
13
Getting the loan
12
Problem with additional add-on products or services
11
Can't contact lender
10
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Las Cruces

If you need to submit a complaint against a payday lender in New Mexico, the primary regulatory body is the New Mexico Regulation and Licensing Department's Financial Institutions Division. They ensure compliance with state laws governing payday loans. You can reach them at:

  • New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, Santa Fe, NM 87505
  • (505) 476-4885
Submit a Complaint

Frequently Asked Questions about Short-term Loans

Are Payday Loans Legal in New Mexico?

Yes, payday loans are legal in New Mexico, but they are subject to regulations to protect consumers. The New Mexico Financial Institutions Division oversees and enforces these regulations to ensure fair lending practices.

Can Payday Loan Debt Be Forgiven?

Payday loan debt can be challenging to manage, and complete forgiveness is not common. However, borrowers facing difficulties can explore options like debt consolidation or repayment plans to make the process more manageable. Communication with the lender is essential if you're struggling to repay the loan.

Can You Get a Payday Loan Without a Bank Account?

In most cases, obtaining a payday loan in New Mexico requires having a bank account. Lenders typically use bank accounts for loan disbursement and repayment. While some alternative financial services may offer payday-like loans without a bank account, they often come with higher fees and risks.

Are Payday Loans Fixed or Variable?

Payday loans in New Mexico typically involve fixed fees, meaning the cost of borrowing remains consistent throughout the loan term. However, the annual percentage rate (APR) can vary depending on the loan amount and term. It's crucial to review the loan terms and understand the total cost before borrowing.

Is a Payday Loan Secured or Unsecured?

Payday loans in New Mexico are unsecured loans, meaning they do not require collateral. Approval for a payday loan is primarily based on the borrower's income and employment status. Unlike secured loans, such as auto title loans, payday loans do not put assets at risk.

How Long Do Payday Loans Stay in the System?

Information about payday loans can remain in the financial system for several years. Late payments or defaults on payday loans may be reported to credit bureaus, impacting your credit score and making it more challenging to secure new loans in the future. Timely repayment is crucial to avoid long-term consequences.

New Mexico Personal Loans Near Me

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