Installment Loans in Gallup, NM and Payday Loans in North Gallup
Looking for installment loans in Gallup, NM, payday loans in north Gallup or a cash advance in Gallup? Apply online or call 505-863-5825.
Apply online any time from the 503 B N. Highway 491 area
Closing at 1108 E. Hwy 66, Gallup
Mon–Fri 8:00 am–6:00 pm, Sat 8:00 am–1:00 pm
Searching for installment loans in Gallup, NM from the north side of town? Lucky Loans serves the N. Highway 491 area with traditional installment loans up to $1500. If you typed payday loans in north Gallup, here is the honest answer: payday loans are not allowed in New Mexico, and Lucky Loans is not a payday or title lender. A traditional installment loan is what we offer instead, and it works like the cash advance in Gallup many people are looking for. Start with the online application or call 505-863-5825.
Every application is reviewed, even if another lender turned you down, though approval is not guaranteed. When your application moves forward, documents and closing are handled at the Lucky Loans office at 1108 E. Hwy 66 on Historic Route 66 in east Gallup. That office is 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. Some of our staff speak Navajo, and every customer gets a personal touch.
Installment loans in Gallup, NM for north side 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.
A cash advance in Gallup, done the safer way
If you need cash between paychecks, a cash installment loan lets you repay over time instead of 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 be reported to credit bureaus, which helps build a stronger record.
Reviewed even if declined elsewhere
A turn-down somewhere else does not stop us from looking at your application. Approval is not guaranteed.
Diné bizaad bee yádeiltį
Our staff speak Navajo, so you can talk through your personal loan in the language you are most comfortable with.
Skip payday loans in north Gallup: apply in three steps
- 1
Check the basics
You need to be a New Mexico resident with a regular income. You can apply online where permitted by law, or in person at 1108 E. Hwy 66, Gallup. If that describes you, you can apply.
- 2
Apply online or by phone
Use the online form whenever it suits you, or call 505-863-5825 and talk it through. Ask your questions before you commit to anything.
- 3
Close at the Hwy 66 office
Bring identification, your Social Security card, proof of address, a valid phone number, and paystubs or other income information to 1108 E. Hwy 66. The office is open Monday to Friday from 8:00 am to 6:00 pm and Saturday from 8:00 am to 1:00 pm.
Why choose personal loans in Gallup from Lucky Loans
North Gallup is a place where people know their neighbors, and that is how we try to run our business. New Mexico Hospitality Since 2012 means taking the time to explain a loan in plain words, answering your questions without hurry, and treating you as a person rather than a file number.
Many people along the Highway 491 side of town work long or irregular hours, which is why the online form and the phone line matter. You can start in a spare moment and make one trip to the Hwy 66 office when everything is ready. Looking for personal loans in Gallup that fit a real budget? We also lend for customers in Tse Bonito and on W. Jefferson, and the same phone line, 505-863-5825, reaches us for those offices.
Required at closing
- Identification
- Social Security card
- Proof of address
- Valid phone number
- Paystubs or other income information
Cash advance in Gallup: license and New Mexico 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 N. Highway 491 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.
Loans on Highway 491 and the communities around north Gallup
Our online application and phone line are open to people across the Highway 491 corridor and the communities around it, provided you are a New Mexico resident with a regular income. If your community is not on this list but you live in New Mexico, call 505-863-5825 and ask:
- North Gallup
- Gamerco
- Yah-ta-hey
- Church Rock
- Rehoboth
- Mentmore
- Twin Lakes
What affects the cost of installment loans in Gallup, NM
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.
Borrow only what you need, and compare. A credit union loan can cost less if you qualify. If the pinch is one bill, ask the utility, landlord or medical office about a payment plan first. A good installment loan should fit your budget, not strain it, and you should never feel rushed into signing. Ask us any question about the terms before you decide.
Payday Loans & Cash Advance in North Gallup: FAQ
Can I get a payday loan in north 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. You can <a href="/apply-now/" rel="nofollow">apply online</a> or call 505-863-5825. Approval is not guaranteed.
How do installment loans in Gallup, NM work?
You borrow a set amount and repay it over time, with no pre-payment penalties. The exact terms are set at application. Documents and closing are handled at 1108 E. Hwy 66.
Where can I get a cash advance in Gallup?
Lucky Loans offers a cash installment loan, our version of a cash advance in Gallup. Apply online from north Gallup or call 505-863-5825, then finish at the Hwy 66 office. Every application is reviewed.
Are there loans on Highway 491 I can apply for online?
Yes. The online application is open to people along N. Highway 491 who are New Mexico residents with a regular income, where permitted by law. Approval is not guaranteed.
What are the hours at the Hwy 66 office?
The office at 1108 E. Hwy 66 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.
What do I need to bring when I close a loan?
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 North Gallup
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 installment loans in Gallup, NM today
Apply online or call 505-863-5825 to speak with the Lucky Loans team about installment loans in Gallup. 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.