El Charro Cambio De Cheques logo

El Charro Cambio De Cheques in Albuquerque, NM

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El Charro Cambio De Cheques is a check-cashing service located in Albuquerque offering currency exchange and financial transaction services.

Data compiled from public sources

El Charro Cambio De Cheques Review

El Charro Cambio De Cheques operates as a check-cashing establishment in Albuquerque, New Mexico, serving the local community's financial transaction needs.

The company provides essential financial services to individuals who require immediate access to funds without traditional banking relationships or those seeking alternatives to standard banking channels. Their service model focuses on quick processing of checks and related financial transactions.

Services & Features

Check cashing service

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Immediate access to funds without a bank account
  • Walk-in service with no appointment needed
  • Serves customers without traditional banking relationships

Cons

  • Website contains only robot verification page with no accessible company information
  • No verifiable details about fees, hours of operation, or specific services offered
  • No contact information, address, or business details available through provided URL
  • Unable to confirm current business status or operational legitimacy from web presence

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in Albuquerque, NM. It does not confirm that El Charro Cambio De Cheques or this specific location is licensed.

State regulator

New Mexico Regulation and Licensing Department - Financial Institutions Division

Money services context in New Mexico

Short-term lending status: Banned

General rate context: 36% APR cap on all consumer loans (2023 law); payday lending effectively banned

New Mexico enacted a 36% APR cap on all consumer loans in 2023, effectively banning payday lending. This was a significant reform given the state's high poverty rate. Consumers can file complaints with the Financial Institutions Division or the Attorney General's Consumer Protection Division.

Key state rules to check

  • SB 66 (2023) capped all consumer loans at 36% APR including fees, effectively banning payday lending.
  • Prior to 2023, payday loans were allowed up to $2,500 with high fees.
  • Licensed small loan companies must comply with the new 36% cap.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What profile signals are listed for El Charro Cambio De Cheques?

El Charro Cambio De Cheques has profile signals associated with Individuals without a bank account, People needing immediate access to check funds.

What are the strengths and weaknesses of El Charro Cambio De Cheques?

Key strengths: Immediate access to funds without a bank account; Walk-in service with no appointment needed; Serves customers without traditional banking relationships. Areas to consider: Website contains only robot verification page with no accessible company information; No verifiable details about fees, hours of operation, or specific services offered.

How does El Charro Cambio De Cheques compare to similar companies?

In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, CASA DE CAMBIO LA MONEDITA # 1, CASA DE CAMBIO LA MONEDITA # 2. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
8009 Central Ave NE, Albuquerque, NM 87108
BBB Accredited
No
Visit El Charro Cambio De Cheques

CreditDoc Profile Note

Research Note on El Charro Cambio De Cheques

Categorization as check-cashing is appropriate based on the business name ('Cambio De Cheques' = check exchange), but the provided website URL does not contain accessible business information needed to create a reliable consumer profile. Consumers should verify current business operations and service details through direct contact before relying on this company.

Profile Signals

  • Individuals without a bank account
  • People needing immediate access to check funds
Updated 2026-05-08

Similar Companies

ACE Cash Express logo

ACE Cash Express

Albuquerque, NM's ACE Cash Express at 4001 San Mateo Blvd NE provides check cashing and fast financial services weekdays and Saturday mornings.

BBB: NR

Profile signals: Unbanked and underbanked consumers needing check cashing and bill payment services, Consumers seeking emergency-cash timing to verify access without traditional credit requirements

CASA DE CAMBIO LA MONEDITA # 1 logo

CASA DE CAMBIO LA MONEDITA # 1

Casa de Cambio La Monedita is a state-licensed money services business in New Mexico offering check cashing, money transfers, and bill payment across three Albuquerque locations.

BBB: NR

Profile signals: Unbanked and underbanked individuals needing immediate liquidity from checks, Spanish-speaking immigrants and communities requiring money transfer services

CASA DE CAMBIO LA MONEDITA # 2 logo

CASA DE CAMBIO LA MONEDITA # 2

Casa de Cambio La Monedita is a New Mexico-licensed money services business offering check cashing, money transfers, and bill payment across three Albuquerque locations.

BBB: NR

Profile signals: Unbanked and underbanked residents of Albuquerque lacking traditional checking accounts, Spanish-speaking customers preferring bilingual check-cashing services

Compare Your Needs With El Charro Cambio De Cheques

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Quick Summary

  • El Charro Cambio De Cheques is listed as a Check Cashing & Money Services provider in Albuquerque, NM on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

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