Personal loans in Vaughn, NM
Vaughn counts about 267 people, and what is genuinely local about borrowing here is limited — New Mexico law does the governing. With 267 residents, Vaughn outranks about 21% of the communities in New Mexico.
The next larger city is Santa Rosa, NM about 38 miles away. A 2020-to-2023 comparison shows Vaughn down by about 5.0%. When New Mexico caps or restricts a product, lenders either change the terms or withdraw it from Vaughn as from the rest of the state. Begin with the payment, then weigh APR and total interest across the lenders that reach Vaughn's 267 residents.
Where Vaughn stands
Most of what governs a Vaughn loan is written in New Mexico law rather than in the city; the sourced notes below make that split concrete.
- Population: about 267, ranked 83rd of 105 places in New Mexico (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 5.0% fewer residents than the 2020 Census counted.
- Absolute change: 14 residents lost between 2020 and 2023.
- Size percentile: roughly 21% of New Mexico's places have fewer residents than Vaughn's 267.
- Population density: 48 people per square mile on 5.6 square miles of land.
- Land area: Vaughn covers 5.6 square miles, the 44th-largest area among New Mexico's 105 places.
- State share: roughly 0.0% of New Mexico's residents live in Vaughn (267 people).
- National standing: Vaughn ranks 15,531st of 19,457 US places.
- Growth rank: Vaughn ranks 102nd among New Mexico's 105 places for the 2020-to-2023 change.
- Against the state trend: Vaughn's 5.0% change compares with a New Mexico average of -0.8% across its 105 places.
- Density in New Mexico: Vaughn ranks 98th by people per square mile.
- Density vs New Mexico: Vaughn's 48 people per square mile compare with a state median of 475.
- Location: mapped by the US Census Bureau at 34.6072, -105.2126.
- Nearest larger cities: Santa Rosa (38 mi); Estancia (48 mi); Moriarty (55 mi); Fort Sumner (57 mi); Mountainair (59 mi). Lenders licensed in the state serve Vaughn whether or not they keep a local branch.
- Smaller places close by: Encino (14 mi); Corona (33 mi); Willard (47 mi).
- Smaller neighbours: 3 places smaller than Vaughn sit within 50 miles.
- Within 100 miles: 27 places are larger than Vaughn.
How Vaughn compares across New Mexico
Vaughn is the 83rd-largest of 105 Census places in New Mexico and contains about 0.0% of the state's people. For population change between 2020 and 2023, Vaughn ranks 102nd of 105 in New Mexico (about the 3th percentile). At about 48 people per square mile, Vaughn is the 98th most densely settled place in New Mexico. Between 2020 and 2023 the count changed by roughly 14 residents.
What a Vaughn borrower is actually offered
A Vaughn personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 267 residents. The APR tracks your credit score rather than Vaughn's rank of 83rd in New Mexico: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Vaughn decides the split between a comfortable payment and the total interest you pay.
Where Vaughn sits
Vaughn's land area is roughly 5.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 48 residents per square mile. For the state's biggest city, Albuquerque, the distance is roughly 88 miles. Counting outward 50 miles, 2 larger communities surround Vaughn. By land area it ranks 44th of 105 New Mexico places.
Which New Mexico laws govern a loan in Vaughn
Read the table as a lender's compliance picture for Vaughn: the rule, the sourced figure, the publisher and the date.
| 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 |
Getting a loan in Vaughn
With about 48 residents per square mile, Vaughn is sparsely settled, and 2 larger Census places sit within 50 miles. Lenders licensed in New Mexico reach Vaughn's 267 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Santa Rosa, NM about 38 miles away.
Common questions
What are my options in Vaughn if my credit is poor?
What loan size can I expect in Vaughn?
Do I have to pledge anything to borrow in Vaughn?
Does comparing loans in Vaughn cost me credit score points?
Nearby places
- Encino, NM — population 56
- Corona, NM — population 128
- Santa Rosa, NM — population 2,769
- Willard, NM — population 212
- Estancia, NM — population 1,295
- Moriarty, NM — population 2,010
- Las Vegas, NM — population 12,905
- Fort Sumner, NM — population 863