American Cash Advance — Moss Street: contact and location details
Lafayette
American Cash Advance — Moss Street
2505 Moss St, Lafayette, LA 70501
The operator lists the Moss Street contact. OFI's active list identifies TV PROFILE, LLC at this address. The schedule below comes from a secondary business listing and needs branch confirmation. [B07][L01][B08]
Day
Listed hours—confirm before travel
Monday–Friday
9:00 AM–6:00 PM
Saturday
9:00 AM–1:00 PM
Sunday
Closed
This is American Cash Advance, not Advance America. The other Lafayette office on Johnston Street is a separate location.
This is an address search, not a verified route to an operating store. Confirm the operator, unit and service before travelling.
American Cash Advance in Lafayette: leave room for every due payment
Keep it separate from Johnston Street and from the similarly named Advance America brand. The key budget question is what remains after all payments due from the same income.
Requested amount
What you asked to borrow
Contract principal
The debt amount defined in the agreement
Usable proceeds
What you can actually spend after any deductions
Choose the next step
This is a new borrowing request
Ask for the amount actually delivered and the total due. Write both down separately before comparing them with your next income.
Another bill shares the due date
List that bill first. A new repayment does not get the whole paycheck if rent, transport or another loan already claims part of it.
You are looking for your current account
Check the trading name, legal creditor and location on your agreement. Do not send an account payment merely because another business name sounds similar.
Confirm Moss Street and the legal name together
American Cash Advance's own directory lists 2505 Moss St with (337) 264-6077. Louisiana's active-lender register contains TV PROFILE, LLC at that same address. [B07][L01]
Use the trade name to find the office, then match the creditor name on a real contract. A corporate legal name can differ from the sign over a door. The match is useful identification evidence, not a quoted rate, funding promise or approval. Call before a weekend visit because the displayed weekly schedule is secondary-source information. [B08]
Keep four amounts on the same page
A request, principal, cash delivered and total repayment are not interchangeable. Ask the office to identify each figure on the document for your product.
Figure
What it tells you
Requested amount
What you asked to borrow
Contract principal
The debt amount defined in the agreement
Usable proceeds
What you can actually spend after any deductions
Total scheduled repayment
What the agreement requires over its stated life
Do not compare a fee percentage to APR as though they measured the same thing. The FTC discusses why cost disclosures and repayment consequences matter for short-term loans. [F05]
One payday may need to cover more than one obligation
Illustrative budget, not American Cash Advance terms. Suppose $800 arrives before your due dates. Essential spending uses $420 and an existing installment uses $130.
Same-income obligations
Amount
Incoming money
$800
Essentials
$420
Existing installment
$130
Room before a new repayment
$250
Hypothetical new repayment
$275
Remaining balance
−$25
The $275 repayment does not fit even though it is much smaller than the paycheck. A later income deposit is not available earlier. Ask about the original expense or reduce borrowing rather than assuming another advance will fill the $25 shortfall.
Separate a payment receipt from a new entitlement to credit
Paying a current obligation gives you a transaction to reconcile, not automatic approval for another one. Retain the receipt and ask what balance remains before discussing a further request.
Where a new contract settles an old balance, the payoff reduces new usable cash. Ask for a statement showing the old payoff and the amount remaining for you. Do not compare the new face amount with your spending need if some of it never reaches your account. Optional products and separately payable fees belong in the comparison only once.
Check the current legal category, not an old search snippet
Louisiana OFI updates the maximum principal for specified deferred-presentment and small-loan categories annually. The applicable publication now covers September 2026 through August 2027. Those categories should not be assumed to describe every service at an office. [L02]
Ask which agreement is being offered and request the written fees, term and payment method. This profile does not reproduce unverified branch-specific APRs or advertise the statutory maximum as money available to every applicant.
Prepare a narrow, useful branch conversation
Have the expense, deadline and same-payday budget ready. Ask what identification and income evidence is needed, who makes the decision and whether money is paid at the office or sent through another method. Confirm missing steps before treating a funding estimate as final.
If you already owe money and cannot meet the schedule, start with servicing rather than a new application. Ask for available arrangements in writing and keep your own record. If the result is no suitable offer, review the related alternatives and budget pages without giving more personal information to unverified contacts.
Questions before continuing
Is this Advance America?
No. The source directory identifies American Cash Advance at 2505 Moss Street. Similar names are not interchangeable. [B07]
Are the hours confirmed by the operator?
The phone and address are first-party; the full weekly schedule here is from a secondary listing and should be reconfirmed. [B07][B08]
Does a register entry establish today’s price?
No. It supports the address/legal-name match. Current price, availability and personal eligibility still require the branch’s actual offer. [L01]
Related decisions
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
