Personal loans in Sunland Park, NM
Personal loans in Sunland Park are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 17,689 population.
Every figure below is New Mexico's own, applied to Sunland Park's 17,689 residents, with the publisher and retrieval date attached. Sunland Park ranks 13th of 105 places in New Mexico, with a population near 17,689. For a community of about 17,689, the practical step is to compare APR across at least three lenders before committing. From the 2020 Census base to the 2023 estimate, the population rose by about 5.8%. The next larger city is El Paso, TX about 10 miles away.
Local context for Sunland Park
Sunland Park is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 17,689, 13th among New Mexico's 105 places (Vintage 2023).
- Population trend: Roughly 5.8% more residents than the 2020 Census counted.
- People gained or lost: about 977 more since the 2020 base.
- Size percentile: Sunland Park sits ahead of around 88% of New Mexico places, at 17,689 people.
- Density: the Census land area of 14.7 sq mi holds about 1,200 people per square mile.
- By land area: Sunland Park ranks 22nd among New Mexico's 105 places, at 14.7 sq mi.
- Water area rank: Sunland Park ranks 7th among New Mexico's 105 places, with 0.27 sq mi.
- Share of state population: Sunland Park's 17,689 residents are about 1.2% of New Mexico.
- National standing: Sunland Park ranks 2,091st of 19,457 US places.
- Growth in New Mexico: Sunland Park stands 4th by percentage change from 2020 to 2023, among 105 places.
- Against the state trend: Sunland Park's 5.8% change compares with a New Mexico average of -0.8% across its 105 places.
- Density rank: Sunland Park is the 18th most densely settled place in New Mexico.
- Against the state median: Sunland Park runs about 1,200 residents per square mile, where the New Mexico median is 475.
- Location: 31.8236, -106.6003 (US Census Bureau Gazetteer).
- Nearest larger cities: El Paso (10 mi); Socorro (24 mi); Horizon City (26 mi); Las Cruces (36 mi); Alamogordo (82 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Vinton (9 mi); Anthony (11 mi); Anthony (13 mi).
- Smaller places within 50 miles: 6 of them.
- Within 100 miles: 5 places are larger than Sunland Park.
The geography behind Sunland Park
Sunland Park covers about 14.7 square miles of land, with 0.27 square miles of water inside its boundaries (Census Gazetteer). With 17,689 residents, the land area yields roughly 1,200 people per square mile. Albuquerque, the largest place in New Mexico, is about 227 miles from Sunland Park. Within 50 miles of Sunland Park there are 4 larger Census places. Within the same 50 miles lie 6 smaller Census places.
How Sunland Park compares across New Mexico
Among New Mexico's 105 places, Sunland Park sits at 13th for population, a share of roughly 1.2% of the state. On the 2020-to-2023 trend, Sunland Park stands 4th among New Mexico's 105 places — roughly the 96th percentile. At about 1,200 people per square mile, Sunland Park is the 18th most densely settled place in New Mexico. By land area, its 14.7 square miles rank 22nd of 105 places in New Mexico.
Getting a loan in Sunland Park
Sunland Park is moderately settled, with about 1,200 people per square mile and 4 larger places within 50 miles. Distance to a branch rarely matters for Sunland Park's 17,689 residents: the application is online and the price follows your credit file. The nearest larger city, El Paso, TX about 10 miles away.
What New Mexico law requires in Sunland Park
Below are the New Mexico rules that apply to a loan made in Sunland Park, 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 |
| 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 |
| Payday lending status | Payday-style small loans capped at 36% APR (HB 132 of 2022; effective January 1, 2023; cap rises only if prime rate exceeds 10% for three consecutive months) Source says: "a permitted annual percentage rate greater than thirty-six percent, calculated pursuant to 12 CFR Part 1026" | New Mexico Legislature as of 2026-09-16 |
How personal loans work in Sunland Park
In Sunland Park, a small town of about 17,689, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Sunland Park's 17,689 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Sunland Park loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Vinton, TX — population 2,813
- Anthony, TX — population 3,663
- El Paso, TX — population 678,958
- Anthony, NM — population 8,726
- Socorro, TX — population 38,238
- San Elizario, TX — population 10,164
- Horizon City, TX — population 24,168
- Clint, TX — population 1,014