Payday Loans in Lafayette, Louisiana

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

Payday Loan Companies in Lafayette, LA

Company nameAddressZip codePhone number
1st Franklin Financial 143 Arnould Blvd 70506 +1 (337) 988 - 9979
ACE Cash Express 2222 Ambassador Caffery Pkwy 70506 +1 (337) 216 - 0086
ACE Cash Express 100 E Willow St 70501 +1 (337) 269 - 5994
Advance America 3148 Ambassador Caffery Pkwy #102 70506 +1 (337) 984 - 6142
Advance America 2316 W Pinhook Rd 70508 +1 (337) 267 - 4588
Advantage Financial Services - Lafayette 120 Curran Ln Suite G 70506 +1 (337) 984 - 6811
All-State Credit Plan, LLC 2308 Ambassador Caffery Pkwy 2 70506 +1 (337) 216 - 0010
Allied Cash Advance 1812 W Pinhook Rd 70508 +1 (337) 266 - 8993
American Cash Advance 2505 Moss St 70501 +1 (337) 264 - 6077
Cajun Loan 2470 W Congress St 70506 +1 (337) 261 - 4821
Cash Cow 4019 Johnston St 70503 +1 (337) 993 - 1209
Check Into Cash 2954 Johnston St 70503 +1 (337) 264 - 9150
Check Into Cash 200 Production Dr #13 70508 +1 (337) 232 - 6391
Check Lenders 3905 Johnston St 70503 +1 (337) 993 - 3339
Direct Payday Loans 2001 Moss Street, Ste C5 70501 +1 (337) 210 - 7080
Excel Finance 1527 Ambassador Caffery Pkwy 70506 +1 (337) 991 - 9119
Express Check Advance 431 E Pont Des Mouton Rd b 70507 +1 (337) 234 - 6916
First Choice Loans LLC 4312 Moss St 70507 +1 (337) 456 - 8334
First Heritage Credit L, 2429 W Congress St L 70506 +1 (337) 234 - 2288
General Money Store 2423 W Congress St 70506 +1 (337) 291 - 2467
Harbor Loans of Lafayette 104 Youngsville Hwy 70508 +1 (337) 837 - 2503
Harrison Finance Co 5700 Johnston St 1150 70503
Mark Credit Personal Loans for Bad Credit 3816 W Congress St 1 70506 +1 (337) 889 - 3730
Money Mart 2021 NW Evangeline Throughway 70501 +1 (337) 234 - 7788
Money Mart 4702 Johnston St Ste. A 70503 +1 (337) 989 - 2274
Money Mart 2333 W Pinhook Rd 70508 +1 (337) 237 - 5004
Mynex Investments Inc 128 Demanade Blvd 301 70503 +1 (337) 234 - 1768
Parc Lending 1921 Kaliste Saloom Rd 203 70508 +1 (337) 366 - 7571
Quick Cash 100 Castille Ave #101a 70501 +1 (337) 233 - 8828
Quick Cash 3118 W Pinhook Rd 70508 +1 (337) 264 - 0407
Ready Cash Advance 1500 Moss St 70501 +1 (337) 231 - 5121
Security Finance 411 Lee Ave 70501 +1 (337) 237 - 0098
Smart Money Financial Center 4490 Moss St 70507 +1 (337) 235 - 6226
Southland Finance Co 2025 NE Evangeline Throughway 70501 +1 (337) 237 - 1001
Southwest Loan Co. of Acadiana 431 E Pont Des Mouton Rd C 70507 +1 (337) 593 - 1180
State Finance 1819 NW Evangeline Throughway 2 70501 +1 (337) 593 - 9005
Sunset Services 108 Exchange Pl 70503 +1 (337) 237 - 4493
Tower Loan 4416 Johnston St Suite 7A 70503 +1 (337) 406 - 0989

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lafayette, LA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Lake Charles, LA, Quick Loan in Marrero, LA, Payday Loan for Metairie, LA, Payday Loans in Monroe, LA, 24-Hour Loan in New Iberia, LA, Payday Loans in New Orleans, LA, Payday Loans in Prairieville, LA and Quick Loan in Shreveport, LA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Lafayette, LA.

Beautiful sights of Lafayette, LA

Payday Loans Available in Lafayette, LA By The Following ZIP Codes:

70509, 70508, 70507, 70504, 70505, 70596, 70503, 70502, 70501, 70593, 70598, 70506

Are Payday Loans Legal In Lafayette, Louisiana?

Loan Rates and Fees, Laws and Regulations in Louisiana.

Louisiana Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)391
Maximum Loan Amount$350
Minimum Loan TermNot Specified
Maximum Loan Term30 days
Number of Rollovers AllowedNot specified
Finance Charges16.75% of the amount advanced

Lafayette, LA payday loan calculator

If you are a resident of Lafayette, and you need money quickly to cover your expenses, there is good news – payday loans are legal. Despite what the media might tell you, many people use these loans responsibly, and they can be a valuable financial resource in a pinch. They’re no substitute for an emergency fund or retirement savings account, but if your car breaks down or your roof springs a leak, they could save the day. But there are some important things to know about payday loans in Lafayette.

Payday Loans in Lafayette Explained

The first thing to keep in mind is that if you are approved for a payday loan, you will be required by the lender to repay the loan within 5 business days. If you do not repay your loan on time, the lender may take legal action against you, resulting in serious consequences. In addition, the lender could garnish your wages or attach your bank account to pay off your debt. If this occurs, you may end up with more financial problems than when you started.

Given the high cost of these loans, you would be smart to pay off your loan with interest before you need it again. Only use a payday loan as a last resort. If you cannot repay the loan within 5 days, do not take out another one until you have saved up enough money to cover what you owe.

These loans can put an undue burden on your relationship with your employer and may lead to the loss of your security clearance. Suppose a payday lender accuses you of defaulting on your loan. In that case, they will be able to access all of the sensitive information in your background check, and this could cause major problems for your career and personal life.

You can apply for a payday loan in Lafayette from any company or website that is legally licensed to do so. However, it is best to be wary of websites that offer loans with no credit check. These loans are probably scams, and you should avoid them at all costs.

Cash Advance Online in Lafayette 

If you are approved for a payday loan with a credit check, you will be required to make monthly payments on your debt. However, these requirements vary by loan provider, and not all lenders can offer loans with no credit check. If you are denied a loan with no credit check and then later find yourself in a financial emergency, it may make more sense to ask your employer if they can offer you interest-free short-term loans. If something needs doing, like buying groceries or paying your utility bills, you can ask your employer for funds from their short-term loan accounts.

If the cash advance online is approved, but you cannot afford to repay it on time, try borrowing some money from friends or family. You can also borrow from your retirement savings account. If this is not a viable option, you may want to consider other options for paying off your payday loan. You may want to consider bankruptcy. If this is not an option for you, try contacting the credit card companies and ask them if they will cancel your debts if you have a financial hardship.

Offering Payday Loans in Lafayette 

In Lafayette, payday lenders must be licensed by the Lafayette Banking Commissioner’s Office (LBDC). They are prohibited from requiring interest rates that exceed 4%. They are also prohibited from taking out loans with no credit check and can only offer their services through licensed lenders.

This bill hopes to curb the proliferation of payday loan companies within Lafayette by being more restrictive in offering their services. To be considered a licensed lender, you must have a license number issued by the LBDC. If you do not have a license number, you will not provide payday loans in Lafayette.

In addition, licensed lenders must abide by certain requirements and restrictions when providing these services. These lenders are also required to abide by certain standards for customer service (including the ability to provide information over the phone) and overall financial literacy. Licensed lenders must also abide by strict guidelines to advertise their services through traditional media outlets (such as newspapers, magazines, and television).

Direct Lender in Lafayette

The Lafayette Department of Insurance has regulations regarding how much a payday lender may loan to a borrower. These guidelines are designed to protect borrowers from taking out loans that they cannot repay.

In addition, Lafayette currently does not allow payday lenders to participate in multi-lender agreements. This means that you cannot pay off your loan with other loans from third-party lenders. However, nothing stops you from obtaining another loan with the same lender if you can repay your debt within 5 days.

You need to have a valid United States social security number to apply for any payday loan in Lafayette.

24 Hour Payday Loans in Lafayette 

In Lafayette, lenders are not allowed to make loans with terms of more than 60 days. In addition, they cannot charge a higher interest rate on a loan of short term (less than 60 days) than they do on the same loan provided to the borrower.

In order to be considered for a payday loan in Lafayette, you will be required to meet with a financial advisor who will determine if you can afford to make the monthly payments on your debt. If you are approved for this type of loan, you will be required to make payments each month by direct deposit into your checking account or electronic funds transfer from your bank account.

In addition, to make payments on a payday loan in Lafayette, you must have an active bank account. You will also be required to provide the lender with your credit card information and address.

Requirement for Payday Loan in Lafayette 

Some of the Necessary stuff a person must be able to provide when applying for a payday loan in Lafayette.

  • A Social Security number or Taxpayer Identification Number with a Lafayette address
  • Proof of income, such as recent pay stubs and/or W2s
  • Verification that you have a checking account in your name or have applied for credit anywhere else. This can come from bank statements and/or credit card bills. 
  • Proof that you don’t owe any money on other loans or if there is an open judgment against your property. Bankruptcy proceedings are acceptable, but only if you still own property in the area.

Can you get a payday loan in Lafayette without a bank account?

Yes. If you don’t have an active account, you will be required to provide the lender with a valid address for your payment deposit.

How about a payday loan in Lafayette without a bank account and no credit check?

No, unless you want to get scammed. The only way to get a loan without providing information about your bank accounts or credit history is by taking out a loan with no credit check. However, these loans often come with high-interest rates stiff fees and are rarely worth the money they charge you.

FAQ

What is the Easiest Online Loan in Lafayette to Get?

Researching and taking the time to apply for a loan is a very stressful process. For this reason, most borrowers prefer to find the fastest, easiest loan they can. This is where you ask yourself: “Which online loans in Lafayette are the easiest ones to obtain?”. If you’re looking for a quick answer and some assistance with your research, here are some of our staff’s recommendations for the fastest online payday loans in Lafayette.

Where Can I Find The Best Payday Loans in Lafayette?

There is no “best” payday lender. To decide which one will be best for you, it’s important to consider your situation. For example, if you’re looking for a payday loan in Lafayette, you need to think about your goals. Is it a short-term loan with no late fees? Or do you need a longer-term payday loan with lower interest rates? Each of these will be different depending on your needs.

How to Get Bad Credit Loans in Lafayette?

Your credit history is important when you’re trying to secure a loan. The best way to determine if you can get approved for a loan is to check your credit history and make sure it is accurate. If any inaccurate entries or items do not belong on your report, you should dispute them immediately. This will help improve the overall accuracy of your credit report and make it easier for you to get approved for a payday loan in Lafayette.

How Do I Get Cash Advance in Lafayette?

Getting cash advances in Lafayette is a quick and easy process that requires little preparation on the borrower’s part. Go to any nearby ATM, withdraw the funds you require, and go directly to your preferred lender. There is no need to worry about verifying your identity or completing a credit check. Lenders will generally provide you with a bill indicating the amount of cash you received.

How Can I Pay Off My Loans in Lafayette?

Once you have paid off the balance on the loan, it’s important to remind yourself that it’s still there. If you pay off a payday loan late, it is not uncommon for this debt to be reported by your credit card company or other creditors. Due to this, lenders may eventually report you as delinquent on your accounts and subject you to higher interest rates and fees.