Payment 1 Loans specializes in quick personal and title loans with flexible payment options, serving the Las Cruces community since 2006. Their team offers straightforward application processes and guidance to help customers manage emergencies or build credit. Reviews highlight friendly, fast service, though some note the focus is primarily on loans rather than renovation-specific financing.
With over 50 years of combined experience, Rio Finance Company, LLC focuses on personalized loan approvals that consider more than just credit scores. They offer personal and secured installment loans, including auto and recreational vehicle financing, along with credit education and notary services. Customers appreciate their friendly, efficient process and willingness to work with individual… more...
With over 50 years of combined experience, Rio Finance Company, LLC focuses on personalized loan approvals that consider more than just credit scores. They offer personal and secured installment loans, including auto and recreational vehicle financing, along with credit education and notary services. Customers appreciate their friendly, efficient process and willingness to work with individual needs.
Price Mortgage Las Cruces - NMLS #1429043 Home Loans is known for its knowledgeable team that guides clients smoothly through the home loan process. They offer various mortgage services, including renovation loans, with clear communication and quick responses. Customers appreciate their patience and support, though some note occasional paperwork timing as a minor challenge.
Known for offering free vehicle history reports and credit assessments, Sun City Finance focuses on auto loans with transparent terms and personalized guidance. Their team assists with financing new and used vehicles while helping clients understand each step of the loan process. Some customers note occasional communication delays and strict payment policies.
Regional Finance is known for its friendly and approachable team, often praised for helpfulness and clear communication during the loan process. They offer personal and car loans, including renovation financing, with staff who try to make the experience straightforward. Some customers note occasional delays or mixed communication when following up on applications.
Waterstone Mortgage specializes in renovation loans alongside a broad range of mortgage options, offering personalized guidance throughout the homebuying process. Customers appreciate the team’s clear communication, professionalism, and willingness to assist with any questions or challenges that arise. Some note occasional delays, but the staff remains supportive until closing.
Mariner Finance focuses on providing renovation loans with a straightforward and fast application process. The team offers clear explanations and professional support throughout, though some customers have noted occasional communication challenges. Many appreciate the patience and helpfulness shown during their loan experience.
With over 20 years serving the Las Cruces community, Central Loan Company specializes in mobile home, vehicle, and signature loans tailored to local needs. Customers appreciate the friendly, knowledgeable team and quick, straightforward process, though some note occasional hurdles that are handled with patience and care.
With nearly 50 years serving Las Cruces, Coronado Finance specializes in small loans like personal, auto, and mobile-home financing. The team is known for fast, friendly service and a straightforward application process, though some customers note higher interest rates and occasional communication delays.
Montana Capital Bad Credit Loans focuses on helping individuals with poor credit secure quick financial solutions through an extensive network of lenders. They offer bad credit loans, personal loans, and title loans via a streamlined online application process, with approvals often within 48 hours. Customers appreciate the fast service and professionalism, though some mention receiving frequent… more...
Montana Capital Bad Credit Loans focuses on helping individuals with poor credit secure quick financial solutions through an extensive network of lenders. They offer bad credit loans, personal loans, and title loans via a streamlined online application process, with approvals often within 48 hours. Customers appreciate the fast service and professionalism, though some mention receiving frequent follow-up emails.
Lenders made 158 home-improvement loans in Doña Ana County in 2025 (average about $77,000) and denied 114 — 42% of decided applications, compared with 35% across New Mexico, according to federal mortgage data (HMDA, CFPB). The typical home in Las Cruces was built in 1991 and is worth $231,700 (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Doña Ana County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Payment 1 Loans - Las Cruces | 4.9 | 226 | Quoted per loan | (575) 523-0424 | Visit |
| 2 | Rio Finance Company, LLC | 5.0 | 149 | Quoted per loan | (575) 526-5626 | Visit |
| 3 | Price Mortgage Las Cruces - NMLS #1429043 Home Loans | 5.0 | 110 | Quoted per loan | (575) 415-7942 | Visit |
| 4 | Sun City Finance | 4.7 | 115 | Quoted per loan | (575) 523-8578 | Visit |
| 5 | Regional Finance | 4.6 | 101 | Quoted per loan | (575) 541-3147 | Visit |
| 6 | Waterstone Mortgage Corporation | 5.0 | 77 | Quoted per loan | (575) 449-3125 | Visit |
| 7 | Mariner Finance | 4.9 | 54 | Quoted per loan | (575) 249-5769 | Visit |
| 8 | Central Loan Company LLC | 4.8 | 48 | Quoted per loan | (575) 527-1122 | Visit |
| 9 | Coronado Finance, Inc. | 4.1 | 17 | Quoted per loan | (575) 523-5647 | Visit |
| 10 | Montana Capital Bad Credit Loans | 4.2 | 5 | Quoted per loan | (575) 216-7035 | Visit |
General information, not financial advice — consult a qualified professional.
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