Personal loans in Moriarty, NM
Two households in Moriarty with comparable incomes can still be offered different rates; the city's 2,010 residents are not the reason. Moriarty is one of 105 Census places in New Mexico; its 2,010 residents put it at 48th.
The 2020 count to the 2023 estimate shows about 3.4% growth in Moriarty. State law, not city hall, decides what a lender may do to Moriarty's roughly 2,010 residents, and a state regulator supervises it. Price two or three terms so you can see which payment is truly affordable in Moriarty. The nearest larger city is Edgewood, NM about 13 miles away.
Local context for Moriarty
Two layers matter for a Moriarty borrower: the local population picture and New Mexico's consumer-lending statutes.
- Population: 2,010 — Moriarty ranks 48th of 105 communities in New Mexico (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 3.4% across the 2020-to-2023 comparison.
- Absolute change: 67 residents added between 2020 and 2023.
- Size percentile: roughly 54% of New Mexico's places have fewer residents than Moriarty's 2,010.
- Land and density: 6.9 square miles of land carry roughly 290 residents per square mile.
- Land area rank: Moriarty's 6.9 square miles rank 39th of 105 places in New Mexico.
- Share of state population: Moriarty's 2,010 residents are about 0.1% of New Mexico.
- National rank: Moriarty sits 7,610th by population among the 19,457 places in this dataset.
- Growth rank: Moriarty ranks 10th among New Mexico's 105 places for the 2020-to-2023 change.
- State comparison: New Mexico's places average -0.8% for 2020-to-2023, against Moriarty's 3.4%.
- Density in New Mexico: Moriarty ranks 73rd by people per square mile.
- Against the state median: Moriarty runs about 290 residents per square mile, where the New Mexico median is 475.
- Location: coordinates 35.0034, -106.0444 (US Census Bureau Gazetteer).
- Nearest larger cities: Edgewood (13 mi); Albuquerque (35 mi); Los Ranchos de Albuquerque (36 mi); Bernalillo (36 mi); Corrales (37 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Estancia (17 mi); Tijeras (20 mi); Willard (28 mi).
- Smaller neighbours: 6 places smaller than Moriarty sit within 50 miles.
- Within 100 miles: 17 places are larger than Moriarty.
Getting a loan in Moriarty
With about 290 residents per square mile, Moriarty is lightly settled, and 12 larger Census places sit within 50 miles. Whether Moriarty has a local branch or not, a New Mexico-licensed lender can serve its 2,010 people online on the same terms. The nearest larger city, Edgewood, NM about 13 miles away.
Where Moriarty sits in New Mexico
Against New Mexico's other places, Moriarty accounts for about 0.1% of the state's population and ranks 48th of 105 by size. For population change between 2020 and 2023, Moriarty ranks 10th of 105 in New Mexico (about the 90th percentile). Its roughly 290 residents per square mile place it 73rd among New Mexico's places. By land area, its 6.9 square miles rank 39th of 105 places in New Mexico.
Where Moriarty sits
Inside Moriarty's boundaries lie about 6.9 square miles of land, with no significant water area recorded. Spread across it are roughly 290 residents per square mile. Albuquerque, the largest place in New Mexico, is about 35 miles from Moriarty. Counting outward 50 miles, 12 larger communities surround Moriarty. Within the same 50 miles lie 6 smaller Census places.
The New Mexico lending rules that reach Moriarty
When New Mexico does not publish a figure, the row links to the source instead of inventing a number; Moriarty is bound by the same rules.
| 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 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 |
| Maximum legal interest rate (usury cap) | 15% annually absent a written contract fixing a different rate (NMSA 1978, 56-8-3) Source says: "The rate of interest, in the absence of a written contract fixing a different rate, shall be not more than fifteen percent annually" | New Mexico Compilation Commission (NMOneSource, official NMSA) as of 2026-09-16 |
How a Moriarty personal loan is priced
In Moriarty, a small community of about 2,010, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Moriarty's 2,010 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Moriarty loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Edgewood, NM — population 6,130
- Estancia, NM — population 1,295
- Tijeras, NM — population 463
- Willard, NM — population 212
- Mountainair, NM — population 908
- Bernalillo, NM — population 9,114
- Albuquerque, NM — population 560,274
- Los Ranchos de Albuquerque, NM — population 5,828