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McKinley County, New Mexico (NM)

Installment Loans in Gallup, NM

3 lenders in Gallup, NM · 3 list hours · 3 verified in the last 30 days · + 5 reported, not yet verified

Looking for an installment loan near you in Gallup, New Mexico? We list 3 lender locations in Gallup with addresses, phone numbers, opening hours and, where New Mexico publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

Other lenders reported in Gallup

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Gallup lenders at a glance

Gallup, in McKinley County (population 20,339), has 3 lender locations in our directory: 3 installment lenders, all in ZIP code 87301. The chains with the most stores here are World Finance (2) and OneMain Financial (1). Of the 3 stores that publish hours, 0 open on Saturday and 0 on Sunday. The nearest other city with lenders is Thoreau, about 31 miles away, with 1 location.

Stores by loan type
Installment loans 3
County
McKinley County
ZIP code
87301
Hours (3 stores list them)
Closed on weekends

Typical cost in New Mexico

  • A small loan company can make loans up to $10,000. Source: NMSA 58-15 · medium confidence
  • A New Mexico small loan lender cannot make a loan with an annual percentage rate (including fees and add-on products) above 36 percent. If the prime rate stays above 10 percent for three months, the cap rises by the number of points prime is above 10. Source: NMSA 58-15-17(J), (L) · medium confidence
  • On a loan of $500 or less, a fee of up to 5 percent of the principal is allowed on top of the 36 percent APR cap, and it can be charged only once per borrower in any 12-month period. Source: NMSA 58-15-17(J)(4) · medium confidence

Rules for lenders in Gallup

Gallup has no local payday or title loan ordinance in our records, so New Mexico state law applies. See New Mexico lending rules.

Questions people ask

How many installment lenders are in Gallup, NM?

We list 3 installment lenders in Gallup, checked against their sources as of October 9, 2026.

Are payday loans legal in New Mexico?

We list no payday loan stores in New Mexico. A New Mexico small loan lender cannot make a loan with an annual percentage rate (including fees and add-on products) above 36 percent. If the prime rate stays above 10 percent for three months, the cap rises by the number of points prime is above 10 (NMSA 58-15-17(J), (L)).

Which lenders have the most stores in Gallup?

World Finance (2 stores) and OneMain Financial (1 store).

Are any lenders in Gallup open on weekends?

Of the 3 stores that publish hours, 0 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. World Finance locations (NM) · 2 locations Last verified Oct 11, 2026
  2. OneMain Financial branches (NM) · 1 location Last verified Oct 11, 2026
  3. NMSA 58-15-1 et seq., NMSA 58-15, NMSA 58-15-2(F) · General rules, Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  4. NMSA 58-15, 58-7, HB 132 (2023) · General rules Last verified Oct 9, 2026 · medium confidence
  5. NMSA 58-15-17(J), (L), NMSA 58-15-17(J)(4) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.