Payday Loans in Alaska (AK)

Are you in need of urgent money? We have listed all lenders that offer you qucik cash in Alaska for you to choose from. Just simply refer to the list and pick out the one that meets your requirements.

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    15 Best Payday Loans & Cash Advance in Alaska (AK)

    We present you with a list of all lending companies that can give you quick cash in Alaska. To get the fast money you need, listed on our platform and see whether the information will help you or not.

    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (323)
      • Address:
      • 704 E Benson Blvd, Anchorage, AK 99503, United States
      • Phone:
      • +1 907-770-6211
      • Open hours:
    • 4.8
      AllStarAllStarAllStarAllStarHallStar
      (274)
      • Address:
      • 285 Romans Way, Fairbanks, AK 99701, United States
      • Phone:
      • +1 907-455-7800
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (202)
      • Address:
      • 6311 Debarr Road, Anchorage, AK 99504, United States
      • Phone:
      • +1 907-644-0552
      • Open hours:
    • 4
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (136)
      • Address:
      • 4710 E Fattic Dr, Wasilla, AK 99654, United States
      • Phone:
      • +1 907-357-7800
      • Open hours:
    • 5
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (110)
      • Address:
      • 2520 E Tudor Rd, Anchorage, AK 99507, United States
      • Phone:
      • +1 907-771-7970
      • Open hours:
    • 6
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (108)
      • Address:
      • 35401 Kenai Spur Hwy, Soldotna, AK 99669, United States
      • Phone:
      • +1 907-260-9501
      • Open hours:
    • 7
      3.9
      AllStarAllStarAllStarHallStarEmptyStar
      (358)
      • Address:
      • 4900 Old Seward Hwy, Anchorage, AK 99503, United States
      • Phone:
      • +1 907-562-2722
      • Open hours:
    • 8
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (30)
      • Address:
      • 44045 Kalifornsky Beach Rd c, Soldotna, AK 99669, United States
      • Phone:
      • +1 907-262-4095
      • Open hours:
    • 9
      3.1
      AllStarAllStarAllStarHallStarEmptyStar
      (111)
      • Address:
      • 541 10th Ave, Fairbanks, AK 99701, United States
      • Phone:
      • +1 907-456-1253
      • Open hours:
    • 10
      4.1
      AllStarAllStarAllStarAllStarHallStar
      (35)
      • Address:
      • 1001 E Benson Blvd, Anchorage, AK 99508, United States
      • Phone:
      • +1 907-561-1407
      • Open hours:
    • 11
      3.4
      AllStarAllStarAllStarHallStarEmptyStar
      (49)
      • Address:
      • 4000 Credit Union Dr, Anchorage, AK 99503, United States
      • Phone:
      • +1 800-525-9094
      • Open hours:
    • 12
      4.4
      AllStarAllStarAllStarAllStarHallStar
      (23)
      • Address:
      • 100 Calais Dr, Anchorage, AK 99503, United States
      • Phone:
      • +1 907-222-8800
      • Open hours:
    • 13
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (19)
      • Address:
      • 44758 Sterling Hwy, Soldotna, AK 99669, United States
      • Phone:
      • +1 907-339-9485
      • Open hours:
    • 14
      4.1
      AllStarAllStarAllStarAllStarHallStar
      (25)
      • Address:
      • 1028 E 5th Ave # F, Anchorage, AK 99501, United States
      • Phone:
      • +1 907-274-0715
      • Open hours:
    • 15
      3.7
      AllStarAllStarAllStarHallStarEmptyStar
      (32)
      • Address:
      • 150 Muldoon Rd, Anchorage, AK 99504, United States
      • Phone:
      • +1 907-338-3297
      • Open hours:
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    Alaska Payday Loans Regulations

    • Loan Amount (max)

      $500

    • Loan Term (max)

      14 days

    • Finance Charges

      15% of the amount advanced

    • APR
      435%

    Business concerning payday loans in Alaska is Legal. The law imposes a $500 amount limit offered by the lenders. Payday loans here can be taken for a period of not longer than 14 days. The maximum finance charge is 15% of the amount advanced, and the APR is 435%.2 rollovers are permitted in thie state.

    What Is the Maximum Loan Amount in Alaska?

    The Alaska regulation allows payday loan amounts of no more than $500 and one $500 loan at a time.

    How Are The Loan Costs Regulated in Alaska?

    For every $100, all the fees combined should be no more than 15%. And the licensed lenders are allowed to charge a nonrefundable origination fee, with a maximum amount of $5, and a fee that is no more than $15 for each $100 of an advance, or 15% of the total advance amount, whichever is less.

    The APR is 435% (“Typical APR based on the average rate for a $300 loan advertised by largest payday chains or as determined by the state regulator, where applicable.” – Center for Responsible Lending 2019)

    How Is the Cost Calculated For a $100 Payday Loan in Alaska?

    If the term is 14 days:

    APR: 435%

    Loan cost: $100 * 435% * (14 / 365) = $16.7

    Total amount to return: $100 + $16.7 = $116.7

    What Is The Maximum Loan Term in Alaska?

    The Alaska regulation sets out that the minimum term is 14 days but says nothing about the maximum (Alaska Statute 06.50.010 et seq.).

    Consumer Information

    Attention

    According to rule changes by the Consumer Financial Protection Bureau, starting from July 2020, lenders are not obligated to check whether a borrower is able to pay back a loan. Think carefully before you decide to borrow a payday loan, and manage your money spending reasonably to avoid debt trap.

      • The renewal term of a loan should be no less than 14 days.
      • There are collection restrictions if a loan is delayed or partially repaid.
      • Collectors are under no circumstances allowed to take criminal actions against borrowers.

    For more information about statutes governing Alaska payday lending, take a look at the Alaska Division of Banking and Securities website. You can also file a complaint here (using their complaint form) in case your lender has taken any misleading action against you.

    Pick out Payday Loans in Alaska by Cities

    It is easy to search for an online payday loan in Alaska. Kindly click your target city on this page and pick out the lender who matches with your financial status.

    View More Cities →

    Calculator for Alaska Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Alaska.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Alaska Payday Loans at Your Local Area

    Alaska USA Federal Credit Union
    4.1
    AllStarAllStarAllStarAllStarHallStar
    (24)
    Federal credit union
    Spirit of Alaska Federal Credit Union
    4.0
    AllStarAllStarAllStarAllStarEmptyStar
    (24)
    Federal credit union