Las Cruces' Trusted Finance

Company

Family Owned & Operated

Las Cruces' Trusted Finance

Company

Family Owned & Operated

50 +

Years of Experience

3,000 +

Happy Customers

$15000 +

Loans Up To

$

50 +

Years of Experience

3,000 +

Happy Customers

$

$15000 +

Loans Up To

Services to Help Our Customers

Services to Help Our Customers

PERSONAL LOANS

Up to $2,000

AUTO LOANS

Up to $15,000

MOTORCYCLE/ATV LOANS

Up to $15,000

RV LOANS

Up to $15,000

Notary Services

Free to existing customers

CREDIT EDUCATION / TAX PREPARATION

Free credit education.

Competitive pricing on taxes.

Rio Finance Happy Customer

PERSONAL LOANS

Up to $2,000

AUTO LOANS

Up to $15,000

MOTORCYCLE/ATV LOANS

Up to $15,000

RV LOANS

Up to $15,000

Notary Services

Free to existing customers

CREDIT EDUCATION / TAX PREPARATION

Free credit education.

Competitive pricing on taxes.

You are not just a number at Rio Finance Company. Our loans are not just based on your credit score, we also take into consideration job history, and value of collateral if required. The minimum income we require is $1,100 per month.

 

We try to find a way to approve loans and not turn them down. If you have a year at the job, 2 years living in New Mexico, and some credit established we want to help you. 

Get Approved in as little as 15 minutes!

You can apply in person, online, or over the phone in English or Spanish.



2. Get Qualified

You can be approved for your loan in as little as 15 minutes. At this point it's in all in your hands to provide the necessary documents to finalize the loan.

3. Get Your Money

With same day loan funding, you can quickly be on your way. With you check in your hand, you have the option to conveniently cash it at our bank, or your personal bank.

Apply for your loan today!

About Us

Michael and Carla Laycock have lived in Las Cruces most of their lives. Michael's dad was in the Army and they were stationed at WSMR when he was 13 years old. His parents retired in Las Cruces. After working for over 15 years with a couple of locally owned Loan Companies, Michael opened Rio Finance Company in September 2011. Carla also worked in Finance for over 20 years in Las Cruces and recently decided to join Michael at Rio Finance. Carla grew up at Stahmann Farms and they have been married for over 25 years. We both take great pride and helping our customers and educating them on how they can improve their credit.

Rio Finance Owners

About Us

Michael and Carla Laycock have lived in Las Cruces most of their lives. Michael's dad was in the Army and they were stationed at WSMR when he was 13 years old. His parents retired in Las Cruces. After working for over 15 years with a couple of locally owned Loan Companies, Michael opened Rio Finance Company in September 2011. Carla also worked in Finance for over 20 years in Las Cruces and recently decided to join Michael at Rio Finance. Carla grew up at Stahmann Farms and they have been married for over 25 years. We both take great pride and helping our customers and educating them on how they can improve their credit.

What Makes Us Different

Direct Contact with Owners

Feel free to speak to the actual owners. Mike and Carla are available to speak with you and are happy to do so.

Flexible Schedule

If you are not able to make it in during regular business hours, then we will do our best to accommodate your schedule.

Professional Services

Our staff is fluent in Spanish, English, and ASL.

Competitive Rates

We offer a variety of pricing options, so you can find the perfect plan for your budget. 

What Makes Us Different

Direct Contact with Owners

Feel free to speak to the actual owners. Mike and Carla are available to speak with you and are happy to do so.

Flexible Schedule

If you are not able to make it in during regular business hours, then we will do our best to accommodate your schedule.

Professional Services

Our staff is fluent in Spanish, English, and ASL.

Competitive Rates

We offer a variety of pricing options, so you can find the perfect plan for your budget. 

What Makes Us Different

Direct Contact with Owners

Feel free to speak to the actual owners. Mike and Carla are available to speak with you and are happy to do so.

Flexible Schedule

If you are not able to make it in during regular business hours, then we will do our best to accommodate your schedule.

Rio Finance Phone

Professional Services

Our staff is fluent in Spanish, English, and ASL.

Competitive Rates

We offer a variety of pricing options, so you can find the perfect plan for your budget. 

What Our Customers Say...

Learn about our Tax Prep Service

Frequently Asked Questions

Got a question? We’re here to help.

  • Do you go by a specific credit store?

    We do look at your credit score, however we also take into consideration, time at the job, time in the area, and how you’ve paid your most recent bills.

  • Do you help people that have filed Bankruptcy?

    Yes.  As long as the Bankruptcy has been discharged we can consider you for any one of our loans. We also report to the credit bureau which will help you to re-establish your credit.

  • Do you offer Payday or Title Loans?

    No, all of our loans are Installment loans with much lower interest rates.  We can payoff your Payday or Title Loans to help lower your monthly payments. We can use a title as collateral on our loans.

  • What types of loans do you do?

    Our loans are Installment loans with monthly payments that can run from 12 months up to 60 months.  We offer Personal Loans up to $2,000 and secured loans up to $15,000.  We can give you a loan for just about anything up to $15,000.

  • Do you have to have a job to get a loan?

    No.  We help customers who are on a fixed income like Social Security, Disability, and Retirement as long as your income is at least $1,100 a month.

  • What documents do you require for a loan?

    Unsecured loans require driver's license, utility bill showing your physical address, and your last 2 check stubs.  For secured loans we also need the title, proof of insurance, and need to see the collateral.  

Rio Finance Owners

Contact Us

Contact Us

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL MICHAEL LAYCOCK-MANAGER, 2285 E. LOHMAN AVE, LAS CRUCES NM 88001. (575) 526-5626 OR riofinancenm@gmail.com

New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/.