Personal Loans in Gallup, NM and Cash Loans Near Boardman Ave
Need personal loans in Gallup, NM or cash loans in Gallup, NM? Lucky Loans serves the Boardman Ave area. Apply online or call 505-863-5825.
Apply online any time from the 110 Boardman Ave area
Closing at 1108 E. Hwy 66, Gallup
Mon–Fri 8:00 am–6:00 pm, Sat 8:00 am–1:00 pm
Boardman Ave is part of in-town Gallup, and Lucky Loans serves customers from this part of the city with personal loans in Gallup, NM and cash loans in Gallup, NM, all as traditional installment loans up to $1500. If you searched for payday loans in Gallup, NM, payday loans are not allowed in New Mexico, and Lucky Loans is not a payday or title lender. Our installment loan is the safer option. Begin with the online application or call 505-863-5825.
We review every application, even if you have been declined by another lender, though approval is not guaranteed. Documents and closing are handled at the Lucky Loans office at 1108 E. Hwy 66 on Historic Route 66 in east Gallup, open Monday to Friday from 8:00 am to 6:00 pm and Saturday from 8:00 am to 1:00 pm, and it is closed on Sunday. Our staff speak Navajo and offer a personal touch with every interaction.
Personal loans in Gallup, NM for in-town customers
Installment loans up to $1500
Lucky Loans is not a payday or title lender. Our loans are traditional installment loans, which are much safer for the consumer, and the exact terms are set when you apply.
Cash loans with room to repay
Cash loans in Gallup from Lucky Loans are repaid over time in installments, not all at once.
No pre-payment penalties
If your budget opens up and you want to pay the loan off early, there is no penalty for doing it.
We report your good credit
On-time payments can show up on your credit record and help you build a stronger history.
Every application reviewed
We look at each application on its own, including those from people declined elsewhere. Approval is not guaranteed.
Staff who speak Navajo
Diné bizaad bee yádeiltį. You can talk through your loan in Navajo or English.
How to complete an online loan application in Gallup
- 1
Check your eligibility
You need to be a New Mexico resident with a regular income.
- 2
Start your application
Submit the online application or call 505-863-5825. Ask whatever is on your mind before you go further.
- 3
Prepare your documents
At closing we ask for identification, your Social Security card, proof of address, a valid phone number, and paystubs or other income information.
- 4
Sign at 1108 E. Hwy 66
Our Gallup office handles documents and closing Monday to Friday from 8:00 am to 6:00 pm and Saturday from 8:00 am to 1:00 pm.
Why Gallup residents pick cash loans from a local lender
Gallup is the seat of McKinley County, a city on Historic Route 66 and I-40 near the Navajo Nation and Zuni Pueblo. People here value straight talk and fair treatment, and that is the standard we aim for. New Mexico Hospitality Since 2012 means patient explanations and respect for your time and your situation.
If you live in town, getting started is as simple as picking up the phone. Ask about the application, the paperwork, the hours, or how an installment loan differs from the payday and title loans you may have seen elsewhere. Wondering about installment loans near you in Gallup? One visit to 1108 E. Hwy 66 completes the process once your application is ready. For our Tse Bonito and W. Jefferson offices, the same number, 505-863-5825, will reach us.
Required at closing
- Identification
- Social Security card
- Proof of address
- Valid phone number
- Paystubs or other income information
Payday loans in Gallup, NM: our license and the rules
Lucky Loans is operated by Excel Finance New Mexico, LLC. Our Gallup office at 1108 E. Hwy 66 is licensed by the New Mexico Regulation and Licensing Department under small loan license 02179, issued August 2, 2018, and every loan we make for customers in the Boardman Ave area is handled under that license.
New Mexico does not permit payday loans, so lenders like us make installment loans instead. Since January 1, 2023, the APR on loans of $10,000 or less under the Small Loan Act and the Bank Installment Loan Act is capped at 36%, and that cap counts fees and credit insurance toward the APR. Small loan lenders must be licensed by the Financial Institutions Division of the Regulation and Licensing Department, which you can reach at (505) 476-4885. If you have a complaint, you can also write to the Lucky Loans Compliance Dept, 22000 Odell Fairway Trail, Spicewood, TX 78669, or call (512) 608-0035.
Installment loans near me in Gallup and surrounding places
We take applications from people in Gallup and the surrounding area who are New Mexico residents with a regular income. If you do not see your community listed, call 505-863-5825 and ask us:
- Gallup
- Gamerco
- Church Rock
- Rehoboth
- Thoreau
- Zuni
- Twin Lakes
What personal loans in Gallup, NM cost: think before you borrow
The exact terms and APR are set at application and depend on the application and your credit information. Not all applicants will qualify for the lowest rate. Our Loan Rates & Fees disclosure is posted on the Disclosures page, and it is worth reading before you sign anything.
Ask yourself what payment fits your budget before you sign. Borrow only the amount you need, and compare a few choices, including a credit union loan or an arrangement with the company you owe. We are glad to answer questions about how the loan works, and you should never feel rushed. Lucky Loans reports your good credit, and there are no pre-payment penalties, so paying early is always an option when your finances allow.
Payday Loans & Cash Advance in Gallup, NM: FAQ
Where can I get personal loans in Gallup, NM?
Lucky Loans offers personal installment loans up to $1500 to New Mexico residents with a regular income. Apply through the <a href="/apply-now/" rel="nofollow">online application</a> or call 505-863-5825. Approval is not guaranteed.
Can I get cash loans in Gallup, NM if I was turned down before?
Yes, you can apply. We review applications even if you were declined elsewhere, though approval is not guaranteed.
Can I get a payday loan in Gallup, NM?
No. Payday loans are not allowed in New Mexico, and Lucky Loans is not a payday or title lender. We offer a traditional installment loan up to $1500 instead, with no pre-payment penalties.
Is there an online loan application in Gallup?
Yes. The online application works from anywhere in Gallup, including the Boardman Ave area. Documents and closing are handled at the Lucky Loans office at 1108 E. Hwy 66.
When can I reach the Lucky Loans office?
The office is open Monday through Friday from 8:00 am to 6:00 pm and Saturday from 8:00 am to 1:00 pm. It is closed on Sunday. The phone number is 505-863-5825.
What should I bring to close?
Bring identification, your Social Security card, proof of address, a valid phone number, and paystubs or other income information to the Lucky Loans office at 1108 E. Hwy 66. Income from alimony, child support or separate maintenance does not need to be disclosed if you do not want it considered.
More Lucky Loans Locations Near Gallup, NM
Gallup, NM 87301 · License #02179
Mon–Fri 8:00 am–6:00 pm, Sat 8:00 am–1:00 pm
505-863-5825
Apply for personal loans in Gallup, NM today
Apply online or call 505-863-5825. Documents and closing are handled at 1108 E. Hwy 66. Come Get Lucky!
Approval is not guaranteed. Every application is reviewed. Loan amounts and terms depend on your application, credit information and New Mexico law. Licensed by the New Mexico Financial Institutions Division.