Las Cruces, NM · West · 36% APR cap
Payday loans in Las Cruces
Las Cruces is governed by New Mexico's statewide lending law — cities don't set their own loan rules. New Mexico does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Las Cruces
101,759 residents · DoГѓВ±a Ana County Median household income is $41,330 — below the New Mexico median of $44,776.
14 storefront locations of 10 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2300 N Main St, 88001 | (575) 527-5037 | Mon 9:00 AM - 7:00 PM · hours vary |
| B & F Finance Installment Loans | 2113 N Main St, 88001 | (575) 527-2999 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 550 Walton Blvd Ste 200, 88001 | (575) 524-3000 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3330 Rinconada Blvd Ste 1, 88011 | (575) 382-5260 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1455 Hickory Dr Ste 2, 88005 | (575) 525-2274 | Mon 10:00 AM - 6:00 PM · hours vary |
| Central Loan Check Cashing/Pay-day Loans | 104 S Water St, 88001 | (575) 523-5517 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Liberty Finance Installment Loans | 2138 N Main St Ste A, 88001 | (575) 647-5763 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| New Mexico Credit Installment Loans | 2475 N Main Ste B, 88001 | (575) 222-0415 | Mon 8:30 AM - 5:30 PM · hours vary |
| New Mexico Credit Installment Loans | 1405 S Valley Dr Ste 500, 88005 | (575) 888-4782 | Mon 8:30 AM - 5:30 PM · hours vary |
| Security Finance Installment Loans | 120 W Picacho Ave, 88005 | (575) 526-6360 | Mon 9:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 2132 N Main St, 88001 | (575) 541-8908 | Mon 9:00 AM - 6:00 PM · hours vary |
| State Finance Company Installment Loans | 3161 N Main St, 88001 | (575) 524-8635 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Sun Loan Company Tax Services, Installment Loans | 1600 S Valley Dr Ste C, 88005 | (575) 525-9091 | Mon 8:30 AM - 5:30 PM · hours vary |
| Western Finance Tax Services, Installment Loans, Check Cashing/Pay-day Loans | 1061 N Solano Dr, 88001 | (575) 523-2810 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the New Mexico page before visiting. Spot an error? Report it.
The online route in Las Cruces
Online lenders can serve Las Cruces without a storefront — but New Mexico's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the New Mexico regulator.
The rules behind the numbers
Small loans in New Mexico are subject to a maximum 36% annual percentage rate cap under the Small Loan Act.
Statute: N.M. Stat. Ann. § 58-15-1 et seq.
Regulator: New Mexico Financial Institutions Division · www.rld.nm.gov
Questions people ask in Las Cruces
Why doesn't Las Cruces have classic payday stores?
New Mexico caps small-loan APR at 36%, and that state cap applies in Las Cruces exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Las Cruces?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Las Cruces residents is not licensed here.
What lending storefronts are in Las Cruces?
14 storefronts are listed in Las Cruces in our 2022-02-20 directory snapshot (10 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Las Cruces?
Complaints about a lender go to the New Mexico Financial Institutions Division (www.rld.nm.gov) — keep the loan agreement and every fee disclosure you were given.