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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 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.
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
Consumer protection
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
El Charro Cambio De Cheques has profile signals associated with Individuals without a bank account, People needing immediate access to check funds.
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.
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.
CreditDoc Profile Note
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.
Albuquerque, NM's ACE Cash Express at 4001 San Mateo Blvd NE provides check cashing and fast financial services weekdays and Saturday mornings.
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 is a state-licensed money services business in New Mexico offering check cashing, money transfers, and bill payment across three Albuquerque locations.
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 is a New Mexico-licensed money services business offering check cashing, money transfers, and bill payment across three Albuquerque locations.
Profile signals: Unbanked and underbanked residents of Albuquerque lacking traditional checking accounts, Spanish-speaking customers preferring bilingual check-cashing services
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1. What's your primary financial goal?
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