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Title Cash offers payday and title loans in Albuquerque, NM with loan amounts from $100–$2,500 and same-day funding available through a simple online form.
Data compiled from public sources
Title Cash operates as a loan agency based in Albuquerque, New Mexico, serving customers seeking emergency cash solutions. The company is located at 5509 Menaul Blvd NE and maintains extended business hours Monday through Friday (9AM–6PM) and Saturday (9AM–2PM) to accommodate working customers. Title Cash positions itself as a quick-access lender for those facing unexpected financial shortfalls.
The company offers payday loans and title loans ranging from $100 to $2,500, with an emphasis on published application timing and funding. Their marketing highlights a simple online form for loan applications and claims of 24/7 customer accessibility. They advertise quick fund access, which is typical of the emergency cash lending segment. The website emphasizes data security and promises response to inquiries within 1–2 business days.
Title Cash differentiates itself through physical storefront availability in a major metropolitan area, allowing customers to apply in-person or online. The company maintains a 4.1-star rating based on 10 customer reviews on the directory listing, with mixed customer testimonials ranging from highly positive endorsements to negative experiences.
As an emergency cash lender, Title Cash targets consumers in immediate financial need. However, potential borrowers should note that payday and title loans typically carry high APRs (often 300%+ annually) and can create repeat-borrowing cycles if not repaid promptly. The mixed review profile suggests inconsistent service quality. Borrowers should carefully review all terms, fees, and repayment obligations before proceeding and consider alternatives like payday-alternative loans (PALs) from credit unions if eligible.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Albuquerque, NM. It does not confirm that Title Cash or this specific location is licensed.
State regulator
New Mexico Regulation and Licensing Department - Financial Institutions Division
Consumer protection
Status: Not permitted
Rate context: Effectively banned (36% APR cap makes payday lending business model unviable)
SB 66 (2023) effectively banned payday lending by capping all consumer loans at 36% APR including fees. Prior to 2023, payday loans were allowed up to $2,500 with high fee structures. Any payday lender operating in New Mexico must comply with the 36% APR cap or cease operations.
Status: Permitted
Rate context: 36% APR (all-in including all fees and charges)
Installment loans are legal and governed by the 36% APR cap under SB 66 (2023). Licensed small loan companies and installment lenders must comply with the rate cap. Governed by N.M. Stat. Ann. § 58-5-1 et seq. (Small Loan Act, as amended by SB 66).
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Title Cash offers 10 services including Payday loans, Title loans (vehicle collateral-based), Online loan application form, In-person loan application at physical storefront, Loan amounts $100–$2,500, and 5 more.
Title Cash has profile signals associated with Customers in Albuquerque with short-term cash needs under $2,500 who have vehicle equity, Employed individuals seeking same-day or next-day cash funding who prefer in-person application, Borrowers without access to credit unions, banks, or payday-alternative loans, Those who have exhausted traditional lending options and need short-term funds quickly.
Key strengths: Extended hours Monday–Friday (9AM–6PM) and Saturday morning service for working customers; Multiple application channels: simple online form and in-person storefront location; Wide loan range ($100–$2,500) available to address various emergency cash needs. Areas to consider: Mixed customer reviews with documented negative experiences including at least one customer who left without service; No disclosed APR, fees, or repayment term details on the website—typical of high-cost lenders.
In the Emergency Cash category, comparable providers include ACE Cash Express, Easy Loans, InstaLoan. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Title Cash is profile signals for Albuquerque residents facing genuine emergency cash needs under $2,500 who have a vehicle or stable income and cannot access traditional lending. However, the primary caveat is the inherent high cost of payday and title loans (typically 300%+ APR), inconsistent service quality reflected in mixed reviews, and lack of listed fee/term disclosure—borrowers should prioritize credit union PALs or other payday alternatives if eligible before considering this lender.
In Albuquerque, NM, ACE Cash Express at Eubank Boulevard provides payday-loan profile details and title loans to local residents.
Profile signals: Consumers researching short-term cash access within 1-2 days and unable to access traditional bank loans, Individuals with vehicle title who need collateral-based lending options
Payment 1 Financial offers personal installment loans and title loans in Albuquerque, NM, with flexible payment terms and provider-stated funding timing for qualified applicants.
Profile signals: Albuquerque, NM residents with emergency or planned expenses needing personal installment loans, Vehicle owners with clear titles seeking short-term cash access loans with retained vehicle use
Albuquerque, NM InstaLoan at 4420 Central Ave SW offers payday and title-loan profile details with provider-stated funding timing.
Profile signals: Consumers needing $100-$250 cash immediately with proof of recent income and a checking account, Vehicle owners needing $300+ in short-term funds who can provide clear title and proof of insurance
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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