Loans in Union County, NM: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, NM.
The median household in Union County earns $46,694 a year, 27% below the New Mexico median of $64,059. About 17% of residents live below the federal poverty line, and 27.6% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Union County
Lenders that serve Union County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Union County
What Union County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Union County
Payday Loans Not available
Payday loans are banned in New Mexico.
Personal Loans
36% APR all-in cap on loans up to $10,000 (raised from 175%).
Title Loans Not available
Short-term title loans are banned.
Banks and credit unions in Union County
Banks with branches in Union County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Clovis | 2 | 623 S. 1st Street, Clayton 88415 |
| Busey Bank | 1 | 22 Maple St, Clayton 88415 |
| UMB Bank, National Association | 1 | 201 Main St, Clayton 88415 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Union County. The nearest counties with credit unions:
Credit unions in Mora County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Guadalupe | #508 Nm 518, Mora 87732 |
| Rincones Presbyterian | 455 State Highway 518, Mora 87732 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Quay County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Everyone'S | 505 E Route 66 Blvd, Tucumcari 88401 |
| Quay Schools | 523 S 2Nd St, Tucumcari 88401 |
Source: NCUA credit union branch data, June 30, 2026.
All New Mexico counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union County follows New Mexico law. Payday loans are banned in New Mexico.
Are title loans legal in Union County?
Short-term title loans are banned.
Where can I get a small loan in Union County?
Options include 4 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Union County?
Fill out our short online form from anywhere in Union County. We share it with lenders in our network that serve New Mexico; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Union County?
Yes. When an unexpected bill comes up, Union County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Union County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Union County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve New Mexico. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Union County with bad credit?
Yes, many lenders in our network work with Union County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.