Cash Advance & Payday Loans in Gallup, NM (West Side)
Need a cash advance in Gallup, NM or payday loans in Gallup? Payday loans are not allowed here, so our W. Jefferson office offers cash loans in Gallup, NM as a traditional installment loan up to $1500.
1373 W. Jefferson
Gallup, NM 87301
Hours: call 505-863-5825
Need a cash advance in Gallup, NM without crossing town? Lucky Loans has an office at 1373 W. Jefferson, on the west side of Gallup. A quick note first: if you searched for payday loans in Gallup, New Mexico does not allow them, and Lucky Loans is not a payday or title lender. Our cash loans in Gallup, NM are traditional installment loans up to $1500, with no pre-payment penalty.
The office is operated by Excel Finance New Mexico, LLC, and it offers the same loans as our main Route 66 office. We lend to New Mexico residents with a regular income, and we look at applications even if another lender said no. Approval is not guaranteed, but your application gets a fair review. Call 505-863-5825 for current hours, or apply online first so the visit goes quickly.
A loan should not add a long trip to a tight week. Between the online form and a quick call, most of the groundwork can be done before you ever walk in, and we will tell you exactly what to bring. Our staff speak Navajo and keep every conversation friendly and plain.
Cash loans in Gallup, NM on the west side
Installment loans up to $1500
Traditional installment loans from Lucky Loans, with a repayment plan agreed at application. This is our version of a cash advance, and we are not a payday or title lender.
No pre-payment penalty
Pay early whenever it suits you. There is no penalty for paying off your loan ahead of schedule.
We report your good credit
Payments made on time are reported, which means careful borrowing can help your credit history.
A fair look after a decline
If other places turned you down, bring us your application anyway. Approval is not guaranteed, and each one is reviewed individually.
Navajo and English
Diné bizaad bee yádeiltį. Our staff are glad to talk through your loan in the language you prefer.
Three ways to apply
Use the online form, call 505-863-5825, or visit 1373 W. Jefferson in person.
How to get a cash advance near W. Jefferson Ave
- 1
Start with a call or the form
Phone 505-863-5825 to confirm current hours and ask what to expect, or send your details through the online application.
- 2
Collect your paperwork
At closing we need identification, your Social Security card, proof of address, a valid phone number, and paystubs or other income information.
- 3
Sign when it makes sense
We explain the terms before you sign. If approved, we help you get your cash quickly, and you can ask any question you like first.
Installment loans in West Gallup: a stop that saves a drive
Gallup stretches along the railroad and the interstate, and a drive from one end to the other can take a chunk out of a busy day. West Jefferson Avenue is on the west side, so this office is a natural choice if that is where you live, work or run errands.
You do not have to pick between this office and the rest of Lucky Loans. It is the same company, the same loans and the same phone line, 505-863-5825. Our main office is on East Hwy 66 if you ever find that side of town easier.
People on this side of Gallup often tell us they want to deal with someone local who will not hurry them. That is how we try to work: unhurried, specific and honest about what we can and cannot do.
If your work or family is on the west side, you already know the streets, so there is no unfamiliar route to figure out. Walk in and ask your questions face to face, or save the trip and handle it all by phone.
Required at closing
- Identification
- Social Security card
- Proof of address
- Valid phone number
- Paystubs or other income information
The law and the New Mexico license behind our loans
You may have searched for payday loans in Gallup, so here is the legal picture. New Mexico no longer allows payday loans; the payday provisions were repealed effective 2017. Since January 1, 2023, the APR on loans of $10,000 or less under the Small Loan Act is capped at 36%, and the cap is all-inclusive, so fees and credit insurance count toward it.
The W. Jefferson office holds small loan license #02464, issued January 2, 2025 to Excel Finance New Mexico, LLC by the New Mexico Regulation and Licensing Department. The license is active through June 30, 2027.
If you ever have a complaint, the RLD Financial Institutions Division in Santa Fe at (505) 476-4885 oversees licensed lenders. We would rather hear from you first, so please call us.
Loans near me in Gallup: neighborhoods and communities we serve
Our West Jefferson office is convenient for west-side Gallup and the surrounding area. Loans are available to New Mexico residents, including those from:
- West Gallup
- Gallup
- Gamerco
- Church Rock
- Rehoboth
- Thoreau
- Zuni
How the cost of cash loans in Gallup, NM is set
We set the exact terms and APR at application. They depend on your application and credit information, and not all applicants will qualify for the lowest rate. We will go over the real figures with you before you sign.
You can read the Loan Rates & Fees disclosure on our Consumer Information page at any time.
Shop around, too. A local credit union may offer a small loan, and many billers will agree to a payment plan if you ask before a bill goes late. Those options are worth a phone call, and if they do not fit, we are here.
Take your time with the decision. If you want to think it over, go home with the disclosure and call us when you are ready.
Payday Loans & Cash Advance in Gallup, NM: FAQ
Where can I get a cash advance in Gallup, NM?
Our west side office at 1373 W. Jefferson makes cash installment loans up to $1500, which is our answer to a cash advance. Call 505-863-5825 for current hours, or apply online at /apply-now/. Approval is not guaranteed, and every application is reviewed.
Can I get a payday loan in Gallup?
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 with a repayment plan set at application and no pre-payment penalty. Call 505-863-5825 to ask how it would work for you.
How do cash loans in Gallup, NM work, and how much can I borrow?
Our loans go up to $1500. The amount depends on your application, and approval is not guaranteed. If approved, you receive your cash and repay on a set schedule. We explain the terms before you agree, including anything you want to ask twice.
Are there installment loans in West Gallup?
Yes. The W. Jefferson office is on the west side of Gallup and makes traditional installment loans to New Mexico residents with a regular income. Both this office and our Route 66 office are run by Excel Finance New Mexico, LLC.
Are there loans near me in Gallup, and what are the hours?
Lucky Loans has this west side office and a main office at 1108 E. Hwy 66. Please call 505-863-5825 for current hours at the Jefferson office before you head over. We can answer your loan questions on that call, so the trip is a quick one.
Can I apply without coming in?
Yes. You can apply on our website at /apply-now/ or by phone at 505-863-5825. In-person visits are always welcome. If you receive alimony, child support or separate maintenance, you do not have to disclose it unless you 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
Get started on the west side of Gallup
Call 505-863-5825 for current hours, visit 1373 W. Jefferson, or <a href="/apply-now/" rel="nofollow">apply online</a>. Approval is not guaranteed, and every application is reviewed.
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.