There is a variety of work put into each loan decision. Upon receiving your completed loan application, we need to verify residence, employment, and credit worthiness. We know that time is important to you, so we always make every effort to have a loan decision within 24 hours.

Yes, so choose wisely where you apply. Also, be mindful that most Payday, Title Loan, Quick cash lenders do not report to the 3 major credit bureaus. At B.C. Financial, we report to Equifax and Experian.

- You must be 18 years or older.

- Have a valid New Mexico Identification.

- Have a job or regular source of verifiable income.

- Must live at your present residence for at least 6 months. (there are some exceptions)

Our loan approval amounts range from $300 to $5,000. Returning customers may be eligible for an increased loan amount depending on their payment history and affordability of the amount requested.

Every situation is different. Contact Us so we can evaluate your circumstances. 

We accept Cash, Check, Reccuring ACH, and Debit payments. We are also looking to offer debit card payments online as well. So check back soon!

We ask that you mail the payment to our secure box: P.O. Box 2614, Los Lunas, NM 87031. Also, if your payment is running past due, it is very important you contact our office directly. We now also accept debit card payments over the phone for a more convenient way to pay!

No. You will never be penalized for paying more or paying early. In fact, you can save on interest by paying off early!