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(1) includes any advance of income or arrangement or expansion of credit whereby the licensee, for the cost, finance cost or other consideration:
(a) accepts a dated individual check or debit authorization from a customer for the certain reason for repaying a loan that is payday
(b) agrees to put up a dated check that is personal debit authorization from a customer for some time ahead of negotiating or depositing the private check or debit authorization; or
(c) will pay to your customer, credits to your customer’s account or will pay someone else with respect to the customer the total amount of a musical instrument really paid or to be compensated pursuant towards the brand brand brand brand New Mexico Small Loan Act of 1955; but
(2) will not add:
(a) an overdraft service or product provided by a banking organization, cost cost cost cost savings and loan relationship or credit union; and
(b) installment loans;
I. L. “payday loan item” means an online payday loan or even re re payment plan pursuant to Section 58-15-35 NMSA 1978;