Title Loans North Valley, NM

Love may make the world go round but money makes it function. It’s just a fact that everyone needs money, even the most frugal of people. Since most people are not frugal, there are times when they spend more than they have and get themselves in a financial mess.

Sometimes an unexpected expense happens and drains the budget. While looking for a way to quickly get cash for a money emergency, don’t forget about what could be one of the easiest ways out there. Title loans in North Valley, NM could be your financial lifesaver.

Robert Dietz Farmhouse, North Valley New Mexico

What are North Valley Title Loans

Title loans in North Valley, NM are personal loans that work more like a trade. Using your vehicle as security, you trade the title for a loan. It sounds simple, and it is. It’s also easy, fast and convenient. Try the title loan calculator.

While most title loans in Rio Rancho and North Valley, NM are cash loans on car titles, Velocity Cash also makes loans against RVs, trucks, motorcycles and SUVs. The value of your vehicle determines your loan amount.

Value is determined by its make and model, as well as its condition. Velocity Cash takes into consideration the age of your vehicle, as well as mileage and how well it works.

Qualifications for Title Loans North Valley

Title loan applicants need to be at least 18 years old, have a government-issued ID and own a vehicle to use as collateral. The vehicle must be lien-free, and you must not have more payments to make. Sometimes borrowers are required to have an insured vehicle, but title loans no insurance are also an option.

Insurance may be required if the loan amount is over $1,000, and borrowers may be required to have a certain amount of insurance, such as full coverage.

If the borrower does not have insurance or does not have enough, sometimes a title lender is able to offer insurance coverage so that the applicant can get their title loan against their car.

Another option is purchase insurance online to meet the requirements, or you can apply for a title loan on a different type of vehicle that is not required to have insurance, such as a boat or motorcycle.

Applying for Title Loans in North Valley, New Mexico

For the online application, provide the make, model, style, mileage and age of your vehicle. Also provide your name and contact information. You will get a loan estimate and a phone call from a Velocity Cash loan expert. During the call, you will discuss the loan offer, terms, your income source and a repayment plan.

Then, you bring your vehicle to one of our locations for a quick inspection. After this, you give our representative the title to your vehicle, sign a loan agreement and get your cash.

New Mexico Legal Information

Title lenders are considered small loan companies and are subject to the New Mexico Small Loan Act.

While there are no caps on loan terms and costs or interest rates, lenders are limited to making loans of no more than $2,500. Lenders may assess borrowers a five percent late fee for payments at least 10 days past due.


  • Applications and the loan process are short
  • Money is paid out in less than a day
  • Unlike bank loans, you don’t have to explain why you need the money
  • No excess documentation required, such as tax returns and bank statements
  • No application, loan consultation or prepayment fees
  • Payment plans are set up to help you afford payments
  • Your information is kept private
  • If payments are difficult to make, there are options to adjust the amount or create a new loan that is more affordable
  • You get to keep your car while paying off the loan

Contact Velocity Cash today or fill out the form to get your application approved for a North Valley, NM title loan!

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