Lafayette, LA · South · Allowed
Payday loans in Lafayette
Lafayette is governed by Louisiana's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Louisiana. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Lafayette
127,626 residents · Lafayette Parish County Median household income is $46,517 — above the Louisiana median of $46,376.
8 storefront locations of 6 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Franklin Financial Investing, Installment Loans | 143 Arnould Blvd, 70506 | (337) 988-9979 | Mon 8:30 AM - 5:30 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 100 E Willow St, 70501 | (337) 269-5994 | Mon 8:00 AM - 8:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 2316 W Pinhook, 70508 | (337) 267-4588 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 431 E Pont Des Mouton Rd Ste B, 70507 | (337) 234-6916 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 3148 Ambassador Caffery Pkwy Ste, 70506 | (337) 984-6142 | Mon 10:00 AM - 6:00 PM · hours vary |
| Easy Money EMG Installment Loans | 116 Arnould Blvd Space E The Boulevard Shopping Center, 70506 | (337) 991-9688 | Mon 9:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 411 Lee Ave, 70501 | (337) 237-0098 | Mon 8:30 AM - 5:00 PM · hours vary |
| Smart Money Financial Center Check Cashing/Pay-day Loans | 4490 Moss St, 70507 | (337) 235-6226 | Mon–Fri 9:30 AM - 5:00 PM · Sat–Sun Closed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Louisiana page before visiting. Spot an error? Report it.
The online route in Lafayette
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Louisiana follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Louisiana regulator.
The rules behind the numbers
Deferred presentment small loans are high-cost credit products intended for short-term financial needs only.
In practice: borrow $300 for a standard term and the finance charge is $60.25 — $360.25 repaid at the end, about 523% APR. Every compliant lender in Lafayette has to fit inside that schedule.
Statute: La. R.S. 9:3578.1 et seq.
Regulator: Louisiana Office of Financial Institutions · www.ofi.la.gov
Questions people ask in Lafayette
Are payday loans legal in Lafayette, LA?
Yes. Storefront payday lending is permitted across Louisiana, and Lafayette runs under the same state rules: maximum loan $350, fees capped at 16.75% of check amount ($16.75 per $100) + $10 documentation fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Lafayette?
The same as anywhere in Louisiana: state law sets the schedule. On a typical $300 loan the finance charge is about $60.25 — $360.25 repaid at the end of the standard term.
Which lenders have stores in Lafayette?
8 storefronts are listed in Lafayette in our 2022-02-20 directory snapshot (6 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Lafayette?
Complaints about a lender go to the Louisiana Office of Financial Institutions (www.ofi.la.gov) — keep the loan agreement and every fee disclosure you were given.