Review 5 credit repair companies, personal lenders, and financial services in Lafayette, Louisiana. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
705 Federal Credit Union is a not-for-profit, member-owned credit union serving the Acadiana area since 1968, offering savings accounts, loans, credit cards, and financial education to eligible members.
Profile signals: Employees of Acadiana-area businesses with partnerships with 705 FCU seeking lower-cost financial services, Family members of existing 705 FCU members looking to join a member-owned credit union
Home Bank, National Association is an FDIC-insured bank offering personal and business checking, savings, loans, and credit products across Louisiana and Mississippi locations.
Profile signals: Residents of Louisiana (Lafayette, Baton Rouge, New Orleans) and Mississippi (Natchez) seeking unified banking with branch access, Small business owners needing SBA loans, merchant services, and business advisory relationships
Lafayette Consolidated Government's Housing Counseling Services offers FREE homeownership training, financial literacy workshops, and home maintenance education to the public.
Profile signals: First-time homebuyers in Lafayette Parish seeking foundational purchasing knowledge, Renters considering homeownership who need basic financial readiness education
SMILE Community Action Agency is a non-profit serving St. Martin, Iberia, and Lafayette parishes with assistance programs focused on health, education, and economic stability for low-income families.
Profile signals: Low-income residents of St. Martin, Iberia, or Lafayette parishes facing utility or housing cost burdens, Families seeking comprehensive anti-poverty assistance and resource navigation
Non-profit HUD-approved housing counselor in Lafayette, Louisiana providing free homeownership education and pre-purchase counseling.
Profile signals: First-time homebuyers in Lafayette/Acadiana area unsure if they're financially ready, Individuals with poor or unknown credit scores seeking guidance before applying for mortgages
Lafayette Consolidated Government's Housing Counseling Services offers FREE homeownership training, financial literacy workshops, and home maintenance education to the public.
Profile signals: First-time homebuyers in Lafayette Parish seeking foundational purchasing knowledge, Renters considering homeownership who need basic financial readiness education
SMILE Community Action Agency is a non-profit serving St. Martin, Iberia, and Lafayette parishes with assistance programs focused on health, education, and economic stability for low-income families.
Profile signals: Low-income residents of St. Martin, Iberia, or Lafayette parishes facing utility or housing cost burdens, Families seeking comprehensive anti-poverty assistance and resource navigation
Non-profit HUD-approved housing counselor in Lafayette, Louisiana providing free homeownership education and pre-purchase counseling.
Profile signals: First-time homebuyers in Lafayette/Acadiana area unsure if they're financially ready, Individuals with poor or unknown credit scores seeking guidance before applying for mortgages
705 Federal Credit Union is a not-for-profit, member-owned credit union serving the Acadiana area since 1968, offering savings accounts, loans, credit cards, and financial education to eligible members.
Profile signals: Employees of Acadiana-area businesses with partnerships with 705 FCU seeking lower-cost financial services, Family members of existing 705 FCU members looking to join a member-owned credit union
Home Bank, National Association is an FDIC-insured bank offering personal and business checking, savings, loans, and credit products across Louisiana and Mississippi locations.
Profile signals: Residents of Louisiana (Lafayette, Baton Rouge, New Orleans) and Mississippi (Natchez) seeking unified banking with branch access, Small business owners needing SBA loans, merchant services, and business advisory relationships
Louisiana Consumer Protections: Louisiana allows payday lending with a $500 cap and tiered fee structure. The Office of Financial Institutions regulates all consumer lenders. Louisiana has one of the highest poverty rates in the nation, making consumer-protection context especially important. Complaints can be filed with OFI or the Attorney General.
Interest Rate Cap: Louisiana usury cap: 12% default rate; payday loans exempt with fees up to $20 per $100 ($350 max) or 16.75% per $100 ($350+).
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Louisiana Attorney General Consumer Protection Section.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Compensation does not determine whether a provider can be covered or how visible star ratings are calculated. Learn more.