Online Payday Loans in Lafayette, Louisiana
$100 - $350

Fast Cash for Lafayette Residents When It Matters Most

Skip the long lines on Johnston Street. Request a cash advance online and get a decision in minutes.

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Why Choose Us

Simple 5-Minute Form
Secure Data Protection
Louisiana Compliant Lenders
350
Max LA Loan Amount
Fast
Online Decisions
256-bit
Data Encryption
SSL Secured
Louisiana Licensed Lenders
Trusted Matching Service

How It Works

Get the funds you need in a few simple steps

1

Complete the Form

Fill out our secure online request with your basic information and income details.

2

Instant Search

Our system searches a network of lenders to find a match for your specific needs in Lafayette.

3

Review the Offer

If matched, review the lender's loan terms, fees, and repayment date carefully.

4

Receive Funds

Once you sign the agreement, funds are typically sent to your bank account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through major bureaus or alternative providers like Teletrack. Submitting a request does not guarantee you will be matched with a lender or approved for a loan.

Loan Information

Explore our loan options and find out if you qualify.

Loan Amounts

$100 to $350

Loan Terms

7 to 30 days

APR Range

391% - 780% (Varies by lender)

Loan Types Available

Payday Loans Cash Advances Short-Term Loans

Eligibility Requirements

  • At least 18 years of age
  • U.S. Citizen or permanent resident
  • Active checking account
  • Regular source of income
  • Valid email and phone number

Required Documents

  • Government-issued ID
  • Proof of income (paystubs or bank statements)
  • Social Security Number
  • Bank account details

Why Choose Us

  1. Lafayette Local Focus

    We focus on connecting Acadiana residents with lenders who are fully compliant with the Louisiana Deferred Presentment Transaction Law.

  2. Secure Technology

    Your personal information is shielded by 256-bit SSL encryption, ensuring a safe experience from start to finish.

  3. No Storefront Visits

    Avoid the traffic on Ambassador Caffery Parkway. Our process is 100% online, accessible from any device at any time.

  4. Transparent Terms

    Every lender in our network is required by law to disclose all fees, interest rates, and the total cost of your loan upfront.

  5. Flexible Eligibility

    Our lenders consider a variety of factors beyond just your credit score, focusing on your ability to repay the loan from your next paycheck.

  6. Fast Funding Decisions

    Our automated system works quickly to match you with a lender, often providing a decision in just a few minutes after submission.

What Our Customers Say

Lifesaver for my truck

The transmission on my truck started acting up right near the Cajundome. I needed $300 to cover the shop fee until Friday. The online form was fast and I had the cash the next morning.

Marcus Thibodeaux ·Lafayette, LA

Quick and easy

I live in Carencro and didn't want to drive all the way into town to a storefront. This was much easier. The interest is high like any payday loan, but it did the job for my utility bill.

Sarah Broussard ·Carencro, LA

Great service

I was worried about my credit, but the lender I was matched with was very professional. They explained everything clearly. The whole thing took about 15 minutes on my phone.

Andre Hebert ·Lafayette, LA

Fast matching

Needed a little extra for my daughter's school supplies. Got matched with a lender almost instantly. Everything was handled electronically which I appreciated.

Elena Garcia ·Scott, LA

Smooth process

I've used other sites before but this one felt more straightforward. No hidden surprises and the lender they found for me was easy to work with.

James Patterson ·Youngsville, LA

Payday Loan Stores in Lafayette, Louisiana

Borrowers in Lafayette can visit these local stores or apply online through our matching service to find flexible financial solutions that meet their needs. These local storefronts provide a variety of services, including payday loans, check cashing, and title loans, ensuring residents have access to the cash they need when unexpected expenses arise.

ACE Cash Express

2222 Ambassador Caffery Pkwy, Lafayette, LA 70506

Payday Loans (337) 984-7541 Mon-Thu 8:00 AM - 7:00 PM, Fri 8:00 AM - 8:00 PM, Sat 9:00 AM - 6:00 PM

Advance America

3148 Ambassador Caffery Pkwy Ste #102, Lafayette, LA 70506

Payday Loans (337) 984-6142 Mon-Fri 10:00 AM - 6:00 PM, Sat 9:00 AM - 1:00 PM

Check Into Cash

200 Production Drive, Lafayette, LA 70508

Payday Loans (337) 232-6391 Mon-Fri 10:00 AM - 6:00 PM

ACE Cash Express

100 E Willow St, Lafayette, LA 70501

Payday Loans (337) 269-5994 Mon-Thu 10:00 AM - 6:00 PM, Fri 10:00 AM - 7:00 PM, Sat 10:00 AM - 2:00 PM

Cajun Loan

2470 W Congress St, Lafayette, LA 70506

Title Loans (337) 261-4821 Mon-Fri 9:00 AM - 5:00 PM

Cash Cow

4019 Johnston St, Lafayette, LA 70503

Title Loans (337) 993-1209 Mon-Fri 9:00 AM - 6:00 PM, Sat 9:00 AM - 1:00 PM

American Cash Advance

2505 Moss St, Lafayette, LA 70501

Cash Advance (337) 264-6077 Mon-Fri 9:00 AM - 6:00 PM

Security Finance

411 Lee Ave, Lafayette, LA 70501

Cash Advance (337) 237-0098 Mon-Fri 9:00 AM - 5:00 PM

OneMain Financial

104 E Kaliste Saloom Rd, Lafayette, LA 70508

Cash Advance (337) 235-1658 Mon-Fri 8:30 AM - 5:30 PM

5 Star Car Title Loans

3203 Johnston St, Lafayette, LA 70503

Title Loans (337) 326-4554 Mon-Fri 9:00 AM - 7:00 PM

ACE Cash Express

4702 Johnston St Unit A-1, Lafayette, LA 70503

Check Cashing (337) 981-2224 Mon-Thu 10:00 AM - 6:00 PM, Fri 10:00 AM - 7:00 PM, Sat 10:00 AM - 2:00 PM

Money Mart

2333 Pinhook Road, Lafayette, LA 70508

Check Cashing (337) 233-1456 Mon-Fri 9:00 AM - 7:00 PM, Sat 9:00 AM - 4:00 PM

Lafayette Community Profile

Lafayette, known as the 'Hub City,' serves as the economic and cultural heart of Louisiana's Acadiana region. While the city has a diverse economic base including healthcare, education, and energy, a significant portion of the population faces financial vulnerability. With a poverty rate of 18.3% and nearly half of all households earning under $50,000 annually, many residents experience limited liquid savings. This economic profile, combined with a high reliance on personal vehicles for commuting, often leads to a demand for short-term lending options to manage unexpected mechanical repairs or bridge gaps in income.

122,273
Population
$61,915
Median Income
18.3%
Poverty Rate
3.6%
Unemployment

Transportation to Work

Drove Alone 82.4%
Carpooled 6.3%
Public Transit 0.8%
Walked 1.4%
Work from Home 7.7%
Other 1.4%

Class of Worker

Private Wage & Salary 81.3%
Government 13.5%
Self-Employed 5%
Unpaid Family 0.2%

Household Income Distribution

Under $25K 25%
$25K - $50K 20%
$50K - $75K 15%
$75K - $100K 13%
Over $100K 27%

Source: U.S. Census Bureau, 2019-2023 American Community Survey 5-Year Estimates; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

Find answers to common questions below

Search questions...
What is the maximum payday loan amount in Lafayette?
In the state of Louisiana, the maximum amount for a payday loan (deferred presentment transaction) is $350. This is a hard limit set by state law.
How quickly can I receive my cash?
If you are matched with a lender and approved, funds are generally deposited into your bank account as soon as the next business day. Some banks may process the deposit sooner.
Do I need to visit a store in Lafayette?
No, our service is entirely online. You can complete the process from your home in Lafayette or anywhere in Acadiana using your smartphone or computer.
What are the interest rates for Louisiana payday loans?
Louisiana law allows lenders to charge $20 per $100 borrowed plus a $10 documentation fee for loans up to $300. For loans $301-$350, the fee is $55 plus a $10 doc fee. This typically results in an APR between 400% and 800%.
Can I have more than one payday loan at a time?
Louisiana uses a statewide database to track outstanding loans. You are generally restricted from having multiple loans that exceed the $350 total limit across all lenders.
What happens if I cannot repay my loan on time?
If you can't pay on time, contact your lender immediately. Louisiana law has specific rules regarding defaults and collection practices, and some lenders may offer payment plans.
Is my personal information safe?
Yes, we use 256-bit SSL encryption to protect your data. We only share your information with our network of participating lenders for the purpose of finding you a loan.
Will a bad credit score prevent me from getting a loan?
Not necessarily. Many lenders in our network focus more on your current income and employment status than your traditional credit score.

Ready to Get Started?

Need cash for an emergency? Most lenders in our network can fund your loan as soon as the next business day.

Get Started Now