Albuquerque, NM · West · 36% APR cap
Payday loans in Albuquerque
Albuquerque is governed by New Mexico's statewide lending law — cities don't set their own loan rules. New Mexico does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Albuquerque
559,277 residents · Bernalillo County Median household income is $47,030 — above the New Mexico median of $44,776.
41 storefront locations of 21 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 5809 Menaul Blvd NE, 87110 | (505) 884-4100 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 4720 Central Ave SE, 87108 | (505) 266-6151 | Mon 9:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 4001 San Mateo Blvd NE Ste D, 87110 | (505) 889-8084 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 111 Coors Blvd NW, 87121 | (505) 836-2274 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Tax Services | 3200 Coors Blvd NW, 87120 | (505) 831-6454 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 333 Montano Rd NW, 87107 | (505) 342-2400 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 1521 Eubank Blvd NE, 87112 | (505) 296-2114 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans | 1609 Isleta Blvd SW, 87105 | (505) 877-1350 | Mon 9:00 AM - 7:00 PM · hours vary |
| B & F Finance Installment Loans | 3320 San Mateo Blvd NE Ste B, 87110 | (505) 881-7777 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 333 San Mateo Blvd SE Ste D, 87108 | (505) 254-2274 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2010 Wyoming Blvd NE Ste J, 87112 | (505) 237-2274 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3510 Coors Blvd SW Ste B, 87121 | (505) 873-2285 | Mon 10:00 AM - 6:00 PM · hours vary |
| Checkmate Installment Loans | 1145 San Mateo Blvd SE, 87108 | (505) 262-4914 | Mon 10:00 AM - 6:00 PM · hours vary |
| Checkmate Installment Loans | 9450 Candelaria Rd NE Ste A, 87112 | (505) 291-9200 | Mon 10:00 AM - 6:00 PM · hours vary |
| Checkmate Installment Loans | 200 Coors Blvd Nm, 87121 | (505) 831-3231 | Mon 10:00 AM - 6:00 PM · hours vary |
| Checkmate Installment Loans | 8201 Golf Course Rd NW, 87120 | (505) 899-6400 | Mon 10:00 AM - 6:00 PM · hours vary |
| Continental Loans Installment Loans | 3401 San Mateo Blvd NE Ste F, 87110 | (505) 881-4299 | Mon 9:00 AM - 6:00 PM · hours vary |
| Courtesy Loans Installment Loans | 5415 Gibson Blvd SE, 87108 | (505) 265-6900 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Courtesy Loans Albuquerque Installment Loans | 8254 Menaul Blvd NE, 87110 | (505) 872-2274 | Mon 9:00 AM - 6:00 PM · hours vary |
| Don Dinero Financial Title Loans, Installment Loans | 2523 4th St NW, 87102 | (505) 503-7440 | Mon–Fri 10:00 AM - 5:00 PM · Sat–Sun Closed |
| Don Dinero Financial Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 201 San Pedro Dr SE Ste B, 87108 | (505) 255-1500 | Mon 10:00 AM - 5:00 PM · hours vary |
| Don Dinero Financial Installment Loans, Title Loans | 101 98th St NW Ste 103, 87121 | (505) 433-3819 | Mon 10:00 AM - 5:00 PM · hours vary |
| Don Dinero Financial Title Loans, Installment Loans | 3005 Coors Blvd SW, 87121 | (505) 877-6666 | Mon 10:00 AM - 5:00 PM · hours vary |
| FastBucks Title Loans, Installment Loans, Gold Buyers | 9134 Central SE, 87123 | (505) 275-0860 | Mon 9:00 AM - 6:00 PM · hours vary |
| New Mexico Credit Installment Loans | 3244 San Mateo Blvd NE, 87110 | (505) 888-7503 | Mon 8:30 AM - 5:30 PM · hours vary |
Showing 25 of 41 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the New Mexico page before visiting. Spot an error? Report it.
The online route in Albuquerque
Online lenders can serve Albuquerque without a storefront — but New Mexico's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the New Mexico regulator.
The rules behind the numbers
Small loans in New Mexico are subject to a maximum 36% annual percentage rate cap under the Small Loan Act.
Statute: N.M. Stat. Ann. § 58-15-1 et seq.
Regulator: New Mexico Financial Institutions Division · www.rld.nm.gov
Questions people ask in Albuquerque
Why doesn't Albuquerque have classic payday stores?
New Mexico caps small-loan APR at 36%, and that state cap applies in Albuquerque exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Albuquerque?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Albuquerque residents is not licensed here.
What lending storefronts are in Albuquerque?
41 storefronts are listed in Albuquerque in our 2022-02-20 directory snapshot (21 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Albuquerque?
Complaints about a lender go to the New Mexico Financial Institutions Division (www.rld.nm.gov) — keep the loan agreement and every fee disclosure you were given.