Payday Loans in Lafayette, LA | Cash Advance in Lafayette, LA

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Lafayette, LA Cash Advances Online



A payday loan (also called a payday advance) is a short-term cash advance that can help a person with small, often unforeseen expenses. Payday loans are short-term in nature and not intended to be used as long-term financing or for larger purchases like a house or a car. Payday loans are a safe and practical way for an individual to access quick cash and extend their purchasing power until their next paycheck arrives. Whether you’re dealing with seasonal holiday costs, back-to-school expenses, or you need some help with unexpected home or car repairs, Payday Loans in Lafayette can assist you.

Lafayette is the fourth largest incorporated municipality in Louisiana with an estimated population of more than 125,000. The city-parish’s consolidated population is estimated at more than 244,000. The metropolitan area is the state’s 3rd largest with close to 500,000 residents. Lafayette is located on the Vermilion River and is nicknamed “The Hub City” and also known as the “Heart of Acadiana.”

The city is home to the University of Louisiana Lafayette and is a center for a diverse group of industries including banking, retail, aerospace, and health care and social services. Some large companies with a strong presence in Lafayette include Amazon, JP Morgan Chase, IberiaBank, Albertsons, CGI, Ochsner Health System, Petroleum Helicopters International, and Brookshire Grocery Company.

Even if you have a good job working at one of the companies mentioned above or another one like Starbucks, Home Depot, or Wal-Mart, there may be a time when you find yourself with unexpected expenses that you do not have the cash to pay. If that happens, a payday loan can help you bridge the gap to get you back on firm financial footing. If you have a steady job with a consistent paycheck, a payday loan can provide quick cash to cover an unexpected expense.

Just how much can I borrow in Lafayette, LA?

Lafayette cash advances can vary from $50 to $1,000 depending on your state of residence and a few other factors like your income or tenure at your job. The requirements for payday loans are usually less strict than for some other types of loans like a mortgage or auto loan. When you apply online through Direct Payday Loans, you will quickly be connected with a lender who can provide you cash as soon as the same day. In exchange for the cash you need, the lender will charge a small fee in the form of interest. The interest costs in addition to the initial amount (the principal) borrowed are normally due on your next payday.

If you need a little extra cash prior to receiving your next paycheck, you can try a fast & easy cash advance. We’ll help you get the money you need as soon as today so you can keep moving forward with your normal life and focus on the things most important to you. With Direct Payday Loans, you can:

  • Receive money as soon as the same day
  • Review plain and simple terms and costs
  • Access a simple short-term cash advance
  • Not have to worry about providing a paper check or faxing documents

Borrowing responsibly

At Direct Payday Loans, we always encourage responsible borrowing. We advise that borrowers consider the amount and timing of their next paycheck to determine how much they can responsibly pay back within their budget plan.

Although the majority of payday lending institutions allow you to “re-purchase” or renew your loan, this is not advised, as it can cause a cycle of loans that can wind up costing you significantly more in the long term due to the rising interest costs and increasing principal amount. Be sure to thoroughly consider your financial situation before applying for a payday loan online. It is imperative that you have a budget and spending plan before you apply for and access a payday loan.

Bad credit? Not a problem in Lafayette

A less-than-stellar credit rating does not have to stop you from receiving the cash you need. As we discussed above, payday loans aren’t like some “secured” loans like mortgages or car loans. Those loans are secured by a specific asset that you are borrowing against. If things go wrong in a secured loan, the bank may be able to take the asset, such as the car or the house.

Payday loans are different. They’re unsecured personal loans for small amounts used by people in need of short-term financial assistance. A payday loan is not backed by a specific asset but instead by your income, or more specifically your next paycheck. The lenders understand the situation and can often provide a loan to people without great credit ratings.

In many cases, loans are given based upon your income and a few other factors such as how long you have had your job and your income. Many loan providers don’t even use a conventional credit check. However, for larger amounts, some lending institutions may utilize your credit report to make a loan decision.

Traditionally, applying for a payday loan by phone or online required a person to fax an assortment of documents to the lender. With Direct Payday Loans, you can apply online and will not be required to fax any information to the lender. At Direct Payday Loans, all loans are faxless payday advances.

Easy Online Application – Nearly Instant Approvals For Lafayette Residents

We have streamlined the online loan application process to make it quick and easy for you to apply  for the cash advance you need as quickly as possible. In fact, you can complete the application online in minutes and get a decision in as soon as just a few minutes – click here to apply for a direct payday loan online in Lafayette. Ensure you have your social security number, source of income, and banking information handy while completing the application.

Direct Payday Loans Online in Lafayette: money when you need it most.

Payday Loan Providers in Lafayette, LA

As mentioned above, we have put a lot of time and money into streamlining the process to make it simple, easy, and cost effective to apply for a payday loan online. If you would still rather visit a payday loan office in person, we have put together a short list of local providers in Lafayette. When visiting an office to apply for a loan, it can be more difficult to compare your options to find the best option. By applying online, you can access offers from multiple lenders and review your options from the comfort of your home or wherever you happen to be.

Additionally, a payday loan office may have to pass on the rent costs of having a physical location, potentially resulting in a higher interest rate or higher fees for you. Be sure to review all the relevant details and do your research before visiting a local payday loan office.

Advance America

As of April 2021, Advance America has 3 locations in and around Lafayette. Advance America is a national retailer of payday loans with locations all over the country. Advance America stores have a good reputation, and the local stores in Lafayette are no exception. Both have exceptional online reviews, with customers mentioning the convenience and professionalism of the stores and their employees.

2316 W Pinhook Rd
Lafayette, LA 70508
(337) 267-4588

American Cash Advance

As of April 2021, American Cash Advance has 2 locations in Lafayette. Both stores have pretty good reviews, but the location listed below is more highly rated. American Cash Advance offers cash advances, title loans, and signature loans.

2505 Moss St
Lafayette, LA 70501
(337) 264-6077