Installment Loans in New Mexico

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Online Installment Loans in New Mexico

The New Mexico Installment Loan is no longer offered to customers. If you have a current New Mexico Installment Loan, please click here to log into your online account.

Still need funds? You may qualify for a Line of Credit through CreditFresh* with a credit limit of up to $5,000 by clicking “Continue” below.


Please note that by clicking “Continue”, you are navigating away from the MoneyKey website to the website of an affiliated third party.

*The Line of Credit through CreditFresh may be originated by one of several Bank Lending Partners. MoneyKey does not assume responsibility or liability for any actions taken by you in relation to any products and/or services offered through CreditFresh.

Searching for Installment Loans in New Mexico? MoneyKey may be able to help you get the funds you need fast. An Installment Loan is a short-term loan with payments that are spread out over time.

Click “Apply Now” and we’ll let you know if you qualify and how much you can borrow. If you’re approved, we’ll deposit the money in your bank account as early as the same business day*.

Not only do we make the online application process simple, we also have a team of friendly and knowledgeable Customer Care agents available to answer any loan-related questions you may have. Whether online or on the phone, we aim to provide you with outstanding customer service.


Loan Amount: $200 to $3,500

Loan Type: Installment Loan

Loan Term: ~18 months

Funding: Same business day*

Pre-Payment Available: Yes

Loan Details

Loan Amount

For New Mexico Installment Loans, the amount you can borrow ranges between $200 and $3,500. After we review your application, we’ll let you know if you’re approved and how much you qualify for.

Cost of Loan

Interest will be charged on your MoneyKey New Mexico Installment Loan, with a maximum annual percentage rate (APR) of 175%. Your APR is dependent on your exact payment schedule; see the below examples for common MoneyKey Installment Loans in New Mexico and their corresponding APRs. The APR, repayment amount and payment schedule will vary depending on the specific details of your loan, which are available in your loan agreement.

This loan is an expensive form of credit and is not intended to meet long-term financial needs. MoneyKey urges you to use this product responsibly.

Term of Loan

The loan term is approximately 18 months in New Mexico, so if you receive your income bi-weekly, semi-monthly or weekly, your loan will be payable in 36 installments. If you receive your income monthly, your loan will be payable in 18 installments.

Here Are Some Examples:

In this example, the APR is 173.49% for a loan of $500 with an effective date of 06/16/2020, payable in 36 bi-weekly installments.

  Annual Percentage Rate Finance Charge Amount Financed Total of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment Date Principal Amount Interest Amount Total Payment
06/26/2020 $12.48 $23.83 $36.31
07/10/2020 $3.78 $32.53 $36.31

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In this example, the APR is 170.07% for a loan of $500 with an effective date of 06/05/2020, payable in 18 monthly installments.

  Annual Percentage Rate Finance Charge Amount Financed Total of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment Date Principal Amount Interest Amount Total Payment
07/01/2020 $13.77 $62.87 $76.64
07/31/2020 $10.97 $65.67 $76.64

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New Mexico Disclosures


Customer Communications Administrator
1000 N West Street Suite 1200
Wilmington, DE 19801
Phone Number: 647-776-4300 ext. 2221
Email Address:

This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website


State Licenses

MoneyKey is a state-licensed direct lender in New Mexico. Loans are funded by MoneyKey – NM, Inc. and governed by all applicable laws.

Click below to view our New Mexico licenses.

New Mexico state license
New Mexico state license

Online Installment Loans in New Mexico: Frequently Asked Questions

  • How do I qualify for a loan?

    To qualify for a MoneyKey Installment Loan in New Mexico, you must:

    • Be at least 18 years old
    • Be a US citizen or a permanent resident
    • Be a resident of New Mexico
    • Have an active bank account
    • Have a regular source of income
    • Have a valid contact number and an active email address

    Please note that we currently do not offer credit products with rates that allow us to lend to covered members of the US armed forces and their dependents.

  • Is this a payday loan?

    No, this is not a payday loan. A payday loan is a short-term loan where you are typically required to pay back the loan in full on your next payday. This is an installment loan, which is different because unlike a payday loan, no lump-sum payment is required. With an installment loan, you pay back the loan in installments over time until it is paid off.

  • Where can I find fast loans near me?
  • If you’re facing an emergency expense and in need of fast funds, you can apply for an Installment Loan in New Mexico through MoneyKey in just minutes. With no travel time or appointment needed, you can apply any time of day, from wherever you get internet.

  • Can I get same day funding?

    If you are approved, you’ll typically get your funds the same business day*.

  • Can I pay my loan off early?

    Yes, and there’s no penalty to pay off your New Mexico Installment Loan earlier than scheduled. If you’d like to make an early payment, or a larger payment to pay down more of your principal, you may do so by calling us at 1-866-255-1668 or emailing Paying off your loan earlier than scheduled may reduce the total interest you’ll pay.

  • I don’t live in New Mexico, can I still apply for an online installment loan?

    Unfortunately, you have to be living in New Mexico to get an online Installment Loan in New Mexico. Whether you live in a rural part of the state, a city like Albuquerque, or smaller towns like Santa Fe or Las Cruces, we’d love to help you with a loan.

    Please check our rates page to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.

Have more questions? Please refer to our general FAQ page or contact our Customer Care team at 1-866-255-1668.

We’ve helped over 400,000+ customers.Let us help you!

Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

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