Sometimes life hits you with expenses that you didn’t see coming. Ideally, you’ll have an emergency fund ready to pay for these, but considering how much car repairs, home repairs, medical bills, and other common expenses can cost, this isn’t always realistic. You may find that you’re short on cash and need a financial boost to cover your bills. That’s where title loans Las Cruces come in. These are a quick, convenient solution to your money troubles, as you can get a title loan the same day that you apply for it and you won’t need to go through a credit check.

One of our goals here at Kirchner Title Loans was to make the entire process as easy as possible for our customers. We’ve done that by developing an efficient online application process for title loans Las Cruces, which is available here on our site and shouldn’t take more than 30 seconds to complete. You can get started on that by going to the application form and entering the following info about the car you’ll be using as collateral on your title loan:

  • Year
  • Make
  • Model
  • Approximate Mileage

Once you’ve done that, you’ll just need to enter the following contact information to complete the form:

  • Your full name
  • Your phone number
  • Your email address

Upon submission of that form, we can use your car’s information to preapprove you for a title loan and come up with a loan estimate. We’ll also tell one of our helpful Kirchner Title Loans representatives to follow up with you about your title loan. They can answer any of your questions and set up a time for you to come in and get your money.

Wondering what items you’ll need to get the loan? This is a common question, and fortunately, the requirements are far more relaxed than they would be at a bank. All we need to see is your government-issued ID to make sure that you’ve over 18 and your car so we can check its value. You’ll need your car title, as well, because we keep that over the term of the title loan. When you’ve repaid your loan, we return the title right away.


If you’re short on cash and you’re trying to quickly locate a lender offering title loans Las Cruces, you definitely don’t want to see a bunch of listings for lenders who aren’t near the city. That isn’t something you need to worry about with Kirchner Title Loans, because our office is right here in Las Cruces. It’s an easy drive whether you decide to come here on surface streets or the freeway, and there is also plenty of convenient parking available near us.

Once you’re here, a Kirchner Title Loans representative can provide you with the loan paperwork that you’ll need to fill out. Don’t forget to tell this rep if you already received preapproval on your loan through our online application. After you finish the paperwork, we’ll look up your car in a vehicle value guide and inspect it to confirm how much it’s worth, which helps us determine the amount we can lend you. All we need after that is your car title, and as soon as we have that, we can issue the loan. The entire process typically takes under an hour, and you’ll be walking out the door with cash in your pocket.

How It Works

Want to know the ins and outs of a title loan? That’s a good idea so you know what to expect when you get one. A title loan is one of many secured loans, and secured loans are loans with collateral. The collateral on a title loan is your car, but you keep that during the repayment period of your loan and the lender only keeps your car title.

The federal government set up an age minimum of 18 years old to get a title loan, but other than that, it leaves regulating the title loan industry up to each state. This means the title loan process can vary significantly from state to state. New Mexico’s regulations cover title loans Las Cruces.

The state hasn’t put too many restrictions on the title loan process. It does cap title loan amounts at $2,500. Now, a lender may not give you that much if your car isn’t worth enough and it’s too much of a risk for them. But no matter how much your car is worth, $2,500 is the maximum a lender in New Mexico can give you. The state doesn’t put any cap on title loan interest rates.

New Mexico has no restrictions in place regarding title loan terms, either a minimum or maximum, and term lengths are entirely up to you and your lender. Most lenders go with 30 days, which is the standard length used in most states. What happens if you can’t pay your loan off at the end of the term? The alternative is called rolling over the title loan, which means you’re extending it for a new term. You can do this if you pay at least the current interest charges. Your unpaid loan principal rolls over to the new term and accumulates another interest charge.

Extending your loan is a smart move if you’re having payment issues, because failing to pay a title loan means you’ve defaulted on it. At that point, the lender has the right to repossess your car and then sell it. Repossessions are rare and lenders would always prefer to avoid them. Not only is the repossession process inconvenient for lenders, but it also results in a poor customer experience. The best thing you can do for yourself if you’re short on money is contact your lender. They can likely find a solution for you, such as rolling over the loan.

Contact us

Title Loans in Las Cruces, New Mexico

(575) 315-0115

1053 Juniper Ave, Las Cruces, NM 88011