Personal loans in Cuba, NM
In Cuba, one of 105 Census places in New Mexico, the figure to compare across lenders is the APR, not the advertised rate. Roughly 638 residents live in Cuba, the 74th-largest community in New Mexico.
Cuba added about 1.3% to its population between the 2020 base and the 2023 estimate. If debt is already a strain, a nonprofit credit counsellor can help Cuba residents before they take on more. The closest larger place is Española, NM about 50 miles away. Lenders active in Cuba report to a New Mexico supervisor, identified in the sourced rows below.
The Cuba data picture
Set out below is Cuba's local context next to the state-level rules that reach every lender here.
- Population: 638 people, a figure that places Cuba 74th among the 105 Census places in New Mexico (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.3% across the 2020-to-2023 comparison.
- Net change: roughly 8 more people than the 2020 Census counted.
- Size percentile: roughly 30% of New Mexico's places have fewer residents than Cuba's 638.
- Population density: about 195 people per square mile across 3.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Cuba ranks 60th among New Mexico's 105 places, at 3.3 sq mi.
- Share of New Mexico: Cuba holds about 0.0% of the state's population, some 638 people.
- National rank: Cuba sits 12,182nd by population among the 19,457 places in this dataset.
- Growth rank: Cuba's 2020-to-2023 change ranks 20th of 105 places in New Mexico.
- State comparison: New Mexico's places average -0.8% for 2020-to-2023, against Cuba's 1.3%.
- Density in New Mexico: Cuba ranks 81st by people per square mile.
- Against the state median: Cuba runs about 195 residents per square mile, where the New Mexico median is 475.
- Location: 36.0146, -106.9680 (US Census Bureau Gazetteer).
- Nearest larger cities: Española (50 mi); Rio Rancho (53 mi); Bernalillo (54 mi); Corrales (57 mi); Santa Fe (60 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Jemez Springs (23 mi); San Ysidro (33 mi); Tijeras (72 mi).
- Within a 50-mile radius: 2 smaller Census places.
- Larger places within 100 miles: 29.
Land, water and location for Cuba
Cuba covers about 3.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 638 residents, the land area yields roughly 195 people per square mile. The largest place in New Mexico, Albuquerque, lies about 65 miles away. A 50-mile radius around Cuba takes in 0 places that are larger. The 100-mile radius contains 29 larger places.
What New Mexico law requires in Cuba
Below are the New Mexico rules that apply to a loan made in Cuba, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New Mexico Financial Institutions Division (FID), Regulation and Licensing Department Source says: "We regulate a variety of financial institutions operating in New Mexico including:" | New Mexico Regulation and Licensing Department, Financial Institutions Division as of 2026-09-16 |
| Small-loan / installment lender licensing | Lenders making Bank Installment Loan Act loans (other than federally insured depositories) must be licensed under the Small Loan Act (2022 requirement) Source says: "a new requirement for lenders making loans under the BILA (other than a federally insured depository institution) to be licensed under the SLA" | New Mexico Legislature (Legislative Finance Committee fiscal impact report) as of 2026-09-16 |
| Small loan company licensing/regulation | Small loan companies are a regulated institution category of the Financial Institutions Division Source says: "Small Loan Companies" | New Mexico Regulation and Licensing Department, Financial Institutions Division as of 2026-09-16 |
Cuba against the rest of New Mexico
Set beside New Mexico's 105 places, Cuba ranks 74th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 20th of 105 New Mexico places, putting it near the 81th percentile for growth. By density, at about 195 people per square mile, it ranks 81st in New Mexico. In land area, Cuba ranks 60th among New Mexico's 105 places.
Before you apply in Cuba
A sensible order of operations for a loan in Cuba, home to about 638 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's New Mexico licence with the regulator listed on this page.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
None of these steps is Cuba-specific: the same New Mexico licensing and disclosure rules reach all 638 residents.
Getting a loan in Cuba
Cuba is a lightly settled community of about 638 people, with 0 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cuba's 638 residents: the application is online and the price follows your credit file. The nearest larger city, Española, NM about 50 miles away.
Common questions
What are my options in Cuba if my credit is poor?
What loan size can I expect in Cuba?
Do I have to pledge anything to borrow in Cuba?
Does comparing loans in Cuba cost me credit score points?
Nearby places
- Jemez Springs, NM — population 202
- San Ysidro, NM — population 168
- Rio Rancho, NM — population 110,660
- Bernalillo, NM — population 9,114
- Corrales, NM — population 8,616
- Española, NM — population 10,431
- Los Ranchos de Albuquerque, NM — population 5,828
- Chama, NM — population 912