Personal financing in Union County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Union County line. We do not hide that — below are the doors that serve it from the rest of New Mexico.
Not this lane? Business FinancingHome Financing
No institution is headquartered inside the Union County line.
That is not a gap in this page, and it is not unusual: 25 of New Mexico's 33 counties hold a door in this lane, and Union County is not one of them. What does serve it is below, by name and by town.
The doors in Union County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 6
- DOORS HERE
- 0
- BASED HERE
- 25
- NM COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 4.1Kresidents of Union County
- Elsewhere in NM
- Bernalillo County →13 doors — the biggest list of any other county in New Mexico
- Doors
- 6serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- New Mexico →25 of 33 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
New Mexico Community Development Loan Fund · Ventana FundThey will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- New Mexico Community Development Loan FundSBA microlenderCommunity lending · Business capital
- Ventana FundCommunity lending · Business capital
- Women's Economic Self-Sufficiency TeamSBA microlenderCommunity lending · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of the 6 doors that serve this county are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
3 of the 6 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
This guide helps Union County, New Mexico residents — including solo contractors, small investors, and Spanish-speaking neighbors — understand personal financing options that are actually available locally. We focus on the community lenders, CDFIs, and credit unions that serve Clayton, Folsom, and surrounding areas, not just big national programs. Whether you have a Social Security number or use an ITIN, there are real paths forward. Take your time, compare your options, and never let anyone rush you into signing.
- 6
- SERVE IT
- 39
- ACROSS NM
Based in Albuquerque, New Mexico. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Albuquerque, New Mexico. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Albuquerque, New Mexico. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in San Francisco, California. Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country. A national nonprofit lender that works across state lines, so where you live is not what decides whether you get an answer. It will open an application with an ITIN instead of a social security number.
BEST FORA personal loan, or building a credit file from nothing — with no social security number.Everything below is set by New Mexico, and it reads the same in every county in it. Who opens the door is not: 3 of the 6 above will take an ITIN instead of a social security number.
The rules where you are.
None of this is set by a lender. New Mexico sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- STATE INCOME TAX1.7% – 5.9%
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX5.125% GRT · 2.78% avg local
What you pay on top of every purchase. On a small loan for a repair or a tool, this is a real part of the total.
- MEDIAN HOUSEHOLD INCOME$59K
Half the households in the state earn less than this. A lot of the programs above use that number to decide who qualifies.
- COST OF LIVING93.4
National index, where 100 is the country's average. Under 100 means your money goes further here.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
No institution is based inside the Union County line, and we say so out loud: the 6 doors above serve it from outside.
- 02
3 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
3 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
25 of New Mexico's 33 counties hold a door in this lane. If Union County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN UNION COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN UNION COUNTY →25NM COUNTIES WITH DOORSThe whole stateEvery county in New Mexico, in this same lane.39 institutions fund personal borrowing inside New Mexico county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.