15 Best Loan Companies in Las Cruces & Their Details

The unexpected can happen to any of us, and when it does, Loan Companies can lend a helping hand. Are you in Las Cruces, living paycheck to paycheck? Worried about paying bills on time?

Let these Loan companies in Las Cruces help you. Read on as we find out more about Top Loan Companies in Las Cruces and what they offer. 

Unexpected financial challenges arise, and it is important to address them swiftly. However, securing funds on short notice can be challenging. 

If traditional options like borrowing from family or friends are unavailable, alternatives become necessary. This is where loan companies in Las Cruces come in. 

Loans Companies in Las Cruces specialize in connecting clients with loans that provide much-needed cash during urgent situations. 

Getting to know more about these companies ensures trust to assist in times of panic. 

Don’t hesitate any longer; explore these Top loan companies in Las Cruces to find offers and deals you need quickly.

Firstly, let’s discover the essential criteria for obtaining loans in Las Cruces. 

Loan Eligibility in Las Cruces

Eligibility requirements may vary based on a specific company, the type of loan needed, and the individual involved. 

But  generally, to qualify for loans in Las Cruces, applicants must certify certain requirements, including: 

  • Age Requirement: Applicants must be 18 years of age or older.
  • Active Bank Account: Possession of an active bank account is mandatory.
  • Online Application: Completion and submission of an online application are essential steps.
  • Proof of Employment: Applicants are required to provide evidence of current employment.
  • U.S. Citizenship: Must be a U.S. citizen to qualify for the loan.
  • No Minimum Requirement: There is no specific minimum requirement specified.

List of Top Loan Companies in Las Cruces 

  • Sun Loan Company – Las Cruces, NM
  • World Finance
  • Express Loans of America
  • Midwest Finance
  • Gateway Mortgage
  • Guardian Mortgage 
  • Cornerstone Home Lending
  • Payment 1 Financial 
  • Regional Finance
  • Rio Finance
  • Sun City Finance
  • OneMain Financial
  • Central Loan Company LLC 
  • Coronado Finance, Inc.
  • White Sands Federal Credit Union

Sun Loan Company – Las Cruces, NM

Sun Loan Company in Las Cruces, NM, has been a reliable financial resource for over 30 years, offering personal installment loans and various services to the community. 

The experienced staff is dedicated to providing a smooth and quick customer experience, ensuring that individuals can access the money they need with affordable monthly payments. 

Sun Loan Company understands the challenges some customers face and offers assistance with financial needs, tax preparation, copies, fax services, and notary public. 

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Committed to the financial well-being of its clients, Sun Loan Company stands as a trusted resource in Las Cruces, ready to support individuals through various financial situations.

Contact Details: 

  • Visit the Website: https://www.sunloan.com/find-a-branch/sun-loan-company-las-cruces-new-mexico-229/
  • Phone: 575-525-9091
  • Address: Sun Loan Las Cruces, NM, 1600 S Valley Dr Ste C Las Cruces, NM 88005

World Finance

World Finance in Las Cruces, NM, prioritizes its customers by offering personalized solutions tailored to their situations and budgets. 

The dedicated team is well-versed in World Finance’s products and services, ensuring they can guide individuals in making informed loan decisions. 

Whether the focus is on managing expenses, building long-term credit, or completing tax obligations, the team works one-on-one with clients. 

With a commitment to community service and over 60 years of experience across 16 states, World Finance stands as a reliable financial company, providing personal loans, tax services, and excellent customer support to help customers achieve their financial goals in Las Cruces.

Contact Details: 

  • Visit the Website: https://www.loansbyworld.com/branches/branch-
  • Phone: +15755243400
  • Address: 2545 N Main St, Las Cruces, NM, 88001

Express Loans of America

Express Loans of America stands out by prioritizing the company’s financial needs. Specializing in small business loans and commercial financing, the company tailors its loan solutions to meet the unique requirements of businesses. 

Express Loans of America understands the challenges of timely bill payments, and offers payday loans, to quickly and easily address financial obligations. 

The streamlined online application process makes accessing these short-term loans convenient. More than just a financial service provider, Express Loans of America extends its passion for helping the community navigate personal financial issues. 

Choosing Express Loans of America means opting for a company that goes beyond loans, reaching out to support the community and distinguish itself from others in the industry.

Contact Details: 

  • Visit the Website: http://expressloansofamerica.com/ 
  • Phone: +1 575-524-1933
  • Address: 2138 N Main St B, Las Cruces, NM 88001, United States

Midwest Finance

Midwest Finance Corporation, established by founder Johnny Castereno in 1997, has flourished into a trusted finance company with a commitment to stellar customer service and professionalism. 

Operating for over two decades, Midwest Finance extends its services across Texas, specializing in installment loans and tax preparation. 

Recognized for providing excellent customer service and understanding the financial challenges individuals face, Midwest Finance emphasizes second-chance loans for those struggling to meet essential needs. 

With a focus on long-term financial assistance, Midwest Finance Corporation stands out for its convenient locations, competitive interest rates, and expertise in both installment loans and tax preparation services.

Contact Details: 

  • Visit the Website: http://loansbymidwest.com/ 
  • Phone: 1-325-235-8511
  • Address: 307 E. Broadway – Sweetwater, Texas

Gateway Mortgage

Gateway Mortgage combines the expertise of local mortgage professionals with cutting-edge technology and national resources, ensuring a seamless and efficient home-buying experience. 

From pre-qualification to selecting the right home loan from their comprehensive suite of products, Gateway is dedicated to guiding customers through every step of homeownership. 

Whether applying in person or utilizing their user-friendly online mortgage application, Loan Originators are available to assist. 

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Gateway Mortgage emphasizes transparency, timely communication, and excellent service, striving to build stronger communities and families one home at a time. 

With competitive rates and terms, convenient online tools for auto loans, personalized assistance for home building or renovation, and financing options for solar power, Gateway Mortgage offers a diverse range of financial solutions.

Contact Details: 

  • Visit the Website: https://www.gatewayfirst.com/locations-atms/las-cruces-nm
  • Phone: 575.339.1127
  • Address: Gateway Mortgage – Las Cruces, 1225 S. Main St., Las Cruces, NM 88005

Guardian Mortgage 

Guardian Mortgage, established in 1965, embodies core values of integrity, superior customer service, and mutual trust. 

Operating in over 40 states, they’ve assisted over a million homeowners in realizing their homeownership dreams, garnering immense pride from client satisfaction. 

Dedicated to delivering a high-quality lending experience, Guardian Mortgage stands out due to its flexibility and understanding. 

They possess the expertise to navigate solutions with customers, providing a lending experience characterized by unique product offerings and unparalleled services.

Guardian Mortgage’s product offerings extend beyond the constraints of other companies, ensuring a comprehensive range to meet diverse needs.  


Contact Details: 

  • Visit the Website: https://www.guardianmortgageonline.com/
  • Phone: 1.800.331.4799
  • Email: [email protected]
  • Address: P.O. Box 833890 | Richardson, TX 75083 |  

Cornerstone Home Lending

Established in 1988, Cornerstone Home Lending was founded with a noble mission: to make a positive difference in people’s lives through the avenue of home lending. 

Their commitment to this purpose is evident in the extensive support and guidance provided to homebuyers, with a focus on transforming individuals into proud homeowners.

With a robust network boasting more than 50 investor sources and an impressive array of over 300 available loan products, Cornerstone Home Lending stands as a reliable partner in the home-buying journey. 

Clients are assured of experienced and trusted guidance throughout every step of the process, reflecting the company’s dedication to fostering positive and impactful homeownership experiences.

Contact Details: 

  • Visit the Website: http://houseloan.com/mountainwest
  • Phone: 970.206.4663
  • Address: 2809 East Harmony Road, Suite 200, Fort Collins, Colorado 80528

Payment 1 Financial 

Since May 2006, Payment 1 Financial has been a trusted provider of personalized loan solutions for the residents of Las Cruces, New Mexico. 

Offering a range of services, they strive to make borrowing money easy and enjoyable for their customers.

Services provided by Payment 1 Financial include Personal Loans, catering to various needs such as unplanned expenses, home repairs, emergencies, and more. 

With competitive rates, flexible payment options, and a swift approval process, they aim to ensure a seamless borrowing experience.

Payment 1 Financial emphasizes convenience through installment plans, bringing customers closer to paying off their loans with each payment.

The company’s commitment to customer satisfaction is evident in its friendly and dedicated staff who go the extra mile to provide excellent and efficient service. 

Recognized for their adherence to regulations, Payment 1 Financial is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions.

Contact Details: 

  • Visit the Website: https://payment1.com/locations/las-cruces-personal-loans-title-loans/
  • Phone:  (575) 523-0424
  • Email: [email protected] 
  • Address: 1810 E. Lohman Ave. Las Cruces, New Mexico 88001

Regional Finance

Regional Finance in Las Cruces is your go-to team for securing a personal loan that aligns with your budget. 

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Since opening, their commitment has been to assist hardworking individuals in Las Cruces in reaching their goals and navigating life’s challenges. 

Whether you require a loan for bill payments, car repairs, home maintenance, or unexpected expenses, their team is ready to help, even if your credit is not ideal. 

The friendly and qualified team at Regional Finance takes the time to comprehend your situation and strives to find the perfect loan solution for you.

Contact Details: 

  • Visit the Website: https://branches.regionalfinance.com/nm/las-cruces/540-walton-blvd.html&
  • Phone: (575) 541-3147
  • Address: Regional Finance at 540 Walton Blvd. Las Cruces, NM 88001

Rio Finance 

Rio Finance considers factors such as job history and collateral value when needed. 

With a minimum income requirement of $1,100 per month, they aim to find solutions and avoid turning down loans. 

If you’ve been employed for a year, lived in New Mexico for two years, and have some established credit, Rio Finance is eager to assist you. 

They offer various loan options, including Personal Signature Loans, Auto Loans, and RV Loans, and operate under the regulation of the New Mexico Regulation and Licensing Department, Financial Institutions Division.

Contact Details: 

  • Visit the Website: https://www.riofinancenm.com
  • Phone: (575) 526-5626
  • Email: [email protected]
  • Address: 2285 E Lohman Ave. Las Cruces, NM 88001

Sun City Finance 

Sun City Finance focuses on providing direct consumer loans to Las Cruces, NM residents, specializing in small loans ranging from $500 to $20,000. 

Their dedicated staff is committed to delivering excellent customer service, particularly assisting individuals with limited credit or previous credit challenges in securing a loan. 

Sun City Finance maintains high standards in employee selection, ensuring reliability and motivation. 

With a thorough hiring and training process, they guarantee dependable and motivated staff who handle accounts in-house without outsourcing or involving third-party companies.

Contact Details: 

  • Visit the Website: https://www.suncityfinance.com
  • Phone: 1.575.523.8578
  • Address: Sun City Finance, 3190 Del Rey Blvd. Las Cruces, NM 88012

Other Loan Companies in Las Cruces

  • OneMain Financial
  • Central Loan Company LLC 
  • Coronado Finance, Inc.
  • White Sands Federal Credit Union

OneMain Financial

Contact Details: 

  • Visit the Website: https://www.onemainfinancial.com/branches/nm/las-cruces
  • Phone: +1 575-522-0058
  • Address: 400 N Telshor Blvd STE B, Las Cruces, NM 88011

Central Loan Company LLC 

Contact Details: 

  • Visit the Website: https://www.centralloancompany.com/ 
  • Phone: (575) 527-1122 / (575) 523-5517
  • Address: 2607 N. Main St. Las Cruces, NM 8801

Coronado Finance, Inc.

Contact Details: 

  • Visit the Website: http://www.coronadofinance.com/
  • Phone: 575-523-5647
  • Address:1475 N Main St, Suite C, Las Cruces, NM 88001

White Sands Federal Credit Union 

Contact Details: 

  • Visit the Website: http://www.wsfcu.org/ 
  • Phone: 575) 647-4500 / (800) 658-9933
  • Address: P.O. Box 99, Las Cruces, NM 88004


Search no more! With these listed Loan Companies in Las Cruces provided above, you can achieve that financial target in no time. 

Go through these listed Top Loan companies in Las Cruces today and let them see you through flexible and favorable loan offers. 

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