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Alaska Payday Loans up to $1K

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Welcome to Alaska Payday Loan guide. Feel the comfort of online application and instant approval even for bad credit "The Lans of the Midnight Sun" borrowers.

Check out our expert guide to $100 - $500 short-term Payday Loans in Alaska to learn all the details of their rates and fees, repayment terms and application process. Payday cash advance is highly available for any resident of Alaska who is over 18 and has an active bank account. Bad credit is not a problem to get approved for a loan. Some direct lenders can even give you the money with no credit check. You can apply online or in-store filling out a free simple application form. It takes only some minutes and in case of approval you get the money deposited into your savings account the next business day or even the same day if you apply in a shop. Besides, you don't need to risk any of your property as Payday Loans are unsecured. Repayment is done automatically, the money is simply withdrawn from your account when you get the next paycheck in 14 - 31 days. The total amount which is due to repayment depends on the APR set by the lender and some additional fees like a verification fee. The rates and terms may vary from lender to lender. Read all the details carefully before you sign an agreement.

Compare Payday Loans in Alaska from the Best Direct Lenders Online or find a Loan Store near your location.
COMPACOM – Compare Companies Online

Loans for ANY  NEEDS
APR from 4.99%

Compare Payday Loans from Direct Lenders and Other Financial Services Online

Find the best Alaska offers choosing among a variety of legit reliable online and in-store lending companies.

TOP RATED COMPANIES

Rates last updated December 15th, 2019
4.3020833333333

LEND YOU

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.4180118946474

Greenlight Cash

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varies by state
MIN MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in Alaska?

Loan Rates and Fees, Laws and Regulations in Alaska.

Up to $500 Payday loans are legal in Alaska according to Alaska Stat. §§ 06.50.010 et seq1. For those who need higher amounts, we can offer $1000 -$5000 Installment or $5000 - $35,000 Personal loans. Minimum repayment term for Payday cash advance is 14 days. The average APR is 520%. It is about $20 of $100 borrowed for 14 days. The finance fee shouldn’t exceed $5 or 15%.

If you default a loan: two renewals or a repayment plan up to 6 months without any additional fees are offered. The collection fee for non-sufficient funds is $30 plus court costs.

Law status legal
MIN Loan Amount None
MAX Loan Amount $500
MIN. Loan Term 14 days
MAX. Loan Term Not stated
MAX APR 520%
Additional fees $5 origination fee
NSF fee $30
Collateral or guarantor None, unsecured
Number of simultaneous loans Not limited
Cooling off period None
Rollover 2
Extension, repayment plan Repayment plan
Default penalties Finance charge for every new repayment period
Credit score requirements Available for Bad Credit
Apply online
Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $5,000
MIN. Loan Term 90 days
MAX. Loan Term 36 month
MAX APR 225%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Find out more Apply online
Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $35,000
MIN. Loan Term 90 days
MAX. Loan Term 60 month
MAX APR 450%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Find out more Apply online

Quick and Easy Payday Loans Online

Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.

ONLINE COMPANIES

Rates last updated December 15th, 2019
4.2988929889299

Payday Loans USA .online

$1,000
MAX. loan amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN MPR

The minimal percentage allowed that actually represents the cost of your loan charged for a month. It's more important for the customer as mostly Payday loan are borrowed for a month term and paid off with the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.0821256038647

Your Faster Payday

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN APR

The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.2344497607656

Fast Holiday Loans

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

PayDay Loan Calculator

?
Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
?
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
?
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
?
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Before you apply for a short-term cash advance consider other Payday Loan Alternatives

A warning about short-term payday loans

Applying for a short-term Payday Loan you should be very careful and responsible. Plan your budget carefully not to default the loan. Though an overpay may be only $1 a day for 100 dollar cash advance you must remember that not paying off the money on time may lead to additional penalty or NSF fees and high total cost.

So, before you make a final decision to apply for a Payday Loan consider other alternatives that may be helpful when you need urgent funds:

  • Think of other more affordable types of loans with lower rates and fees and longer repayment terms such as Installment Loans and Personal Loans,;
  • Consider Debt Consolidation Loans, Credit Builder Loans, Credit Cards;
  • Try social services and local assistance programs;
  • Look for additional part-time jobs or some side gigs and freelance opportunities;
  • Start recycling for money;
  • Address a person able to help you – employer, creditors, family and friends;
  • Use traditional banks or credit unions to get cash.

And keep in mind that the most important thing about any loan, especially Payday Loan is to pay it off on time. It helps you avoid rollovers, renewals or extensions and increases your chances to get out of debt fats and easy.

Alaska Payday Loans and Cash Advance Laws, Rates and Terms

Table of Contents:

Payday Loans in Alaska

Cash Advance in Alaska

Top Payday Loan Companies in Alaska

Are Payday Loans Legal in Alaska?

Payday Loan Interest Rates in Alaska

Online Payday Loan lenders in Alaska

Payday Loan Calculator in Alaska

Payday Alternative Loans

Payday Loan Requirements in Alaska

Alaska Payday Loans laws

Online Payday Loans in Alaska

Bad credit Payday Loans in Alaska

Quick Unsecured Payday Loans in Alaska

How much Payday loans cost in Alaska?

Payday Loan Direct Lenders in Alaska

Payday Loans near me in Alaska

No credit check Payday Loans in Alaska

Other options to get instant cash advance in Alaska

What are Payday Loans?

How do Payday Loans Work in Alaska?

Guaranteed Payday Loans Online Same Day in Alaska

Compare Payday Loans Locations in Alaska

References

Alaska Payday Loans laws 

First of all, Payday Loans are legal in Alaska according to the Statute 06.50.100. Though there are certain rules which state2:

  • The maximum amount of $500 at a time.
  • Any number of payday loans can be taken at a time.
  • The terms shouldn’t be under 14 days.
  • The maximum fee is not more than $15 for each $100 borrowed (15%).
  • The verification fee is allowed depending on the size of a loan
  • Average APR is 520%.
  • Two rollovers are allowed.
  • You may get a repayment plan.
  • Criminal charges are prohibited.

If you want to file a report or complaint on Payday lenders in Alaska, address the ALASKA · DEPARTMENT OF COMMERCE, COMMUNITY, AND ECONOMIC DEVELOPMENT, 550 W 7th AVE, STE 1535, Anchorage, AK 99501-3587, Phone: (907) 269-8100, Fax: (907) 269-8125. 1

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Online Payday Loans in Alaska 

Any resident of Alaska can apply for a Payday Loan both online and in-store. But, of course, online lending is becoming more and more popular as it has plenty of advantages:

  • it gives you a chance to compare a lot of different offers at once,
  • you can avoid driving, doing paperwork and waiting in lines,
  • applying is free and simple, 
  • you have very high chances of approval even with a bad credit score,
  • you can find some lenders ready to give you the loan with no credit check,
  • it's available 24 / 7.

The process of applying online is quick and simple:

 

you compare the lenders and choose the one with the best rates and fees;

 

 

 

you fill out the necessary information in the application form

 

 

you get the money deposited into your account within 1 business day

 

 

 

you pay off the loan with your next paycheck

 

 

 

Start with the first step - compare the top-rated Payday Lenders online:

Bad credit Payday Loans in Alaska 

Bad credit loan is the type of credit given to borrowers with a FICO score below 640. You usually need at least 600 to qualify for such loan. To get money you may turn to credit unions, family, friends, peer-to-peer lending platforms or use online lending service. When choosing an online lender for a bad credit loan, there are important features to take into account. You can find all these important criteria on COMPACOM.com website, which gives you a unique opportunity to compare companies. Pay attention to:

  • Type of lending company
  • Credit history and general qualifications
  • Co-signer option
  • Additional eligibility qualifications
  • Employment requirements
  • Interest rates and types
  • Loan terms
  • Fees and penalties
  • Repayment options

The types of loans available for bad credit applicants are Payday Loans, Personal Loans and Installment Loans. They typically have higher interest rates and shorter terms than loans offered to people with good credit. You are most likely to get a Payday cash advance as its amount is not very high, $100 - $1000, and the APR on the contrary may exceed 400%. This fact shouldn’t frighten you as due to short (14 - 30 days) term the overpay could be only $1 a day.

Quick Payday Loans in Alaska 

Payday Loans are conidered to be fast because:

  • it takes only some minutes to apply
  • you get instant decision
  • the money is deposited into your bank account within a day, or sometimes - an hour.

If you really badly need money fast consider applying in-store. Check cahsers may give you the cash at once.

The main reasons to apply for a Payday Loan in Alaska are:

  1. You get the funds fast. Banks take a while to qualify you for a loan. Direct lenders usually guarantee instant approval.
  2. You can spend the money on any personal needs you have. 
  3. It's possible to find a lender ready to approve you with no credit check. 
  4. If you have bad credit score and can't get a loan from banks and other traditional financial institutions, you can always find a direct lender ready to help you.
  5. The requirements for a Payday Loan are very simple.

Short-term loans calculator: rates and fees in Alaska 

The total cost of any loan consists of the principal, interest and additional fees. The maximum fee charged on a payday loan in Alaska is variable depending on the loan amount and the lender. Besides, you may be charged not more than a $5 verification fee. Besides, lenders cannot charge fees of more than $15 per $100 borrowed, or 15 percent of the total loan – whichever is less. The minimum payday loan term is 14 days.

Or you can find out how much the necessary amount will cost you may use our Payday Loan Сalculator.

Payday Loans Direct Lenders in Alaska 

First of all, before choosing a lender do some research, don't apply with the first company you see, be responsible as it can influence your future financial wellness.

  • Surf the Internet;
  • Use some comparing services such as compacom.com;
  • Read the customers' reviews, etc.

Before signing an agreement with a lender find out:

  • if he is licensed by the Division of Banking and Securities;
  • if he follows all the state's rules and regulations concerning amounts, terms and fees for Payday Loans;
  • if he promises and guarantees too much or seems too good - keep in mind that several loans at a time, no credit check loans, garanteed approval are more likely to be a myth;
  • if he has a safe website and protects your personal information.

When you do sign an agreement with the lender you've chosen don't forget what the Alaska law says about it:

  • the agreement must contain the name and address of the lender and his office, the name of the lender's representative who signed the agreement, a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
  • there mustn't be any prepayment fees, 
  • no additional guarantor can be required,
  • the money should be provided in the form of cash, other forms are allowed only with the borrower's agreement,
  • a borrower should get the copy of this agreement 

Payday Loans near me in Alaska

If you are searching for Payday Loans near you in Alaska, you're likely to need store locations with address and so on. It may be a good idea if you borrow money for the first time and require a personal assistant's help or if you want to get the cash advance as fast as possible, same day. But in other cases, there's nothing more convenient than applying for a Payday Laon online filling out a simple loan request. Thus you get an opportunity to compare various lenders, choose the most suitable offers with the lowest rates, and save time and energy. Besides, online Payday Loans are highly available even for bad credit borrowers in Alaska. Some direct lenders offer No credit check loans, and practically no one requires a collateral.

If you're still looking for locations of Payday Loan stores in Alaska in your city, use our Payday Loan store locator. Find the addresses, directions, phone numbers and other relevant information which will help you find the cash advance faster and easier.

No credit check Payday Loans in Alaska 

To find the lender ready to approve you for a Payday Loan without credit check is hard but possible. But you must understand that the fees for such cash advance may be higher than usual as it's more risky for the lender. So consider getting a loan with at least soft credit check. It'll make the process more safe for both you and the lending compeny and the loan will be cheaper. Still it won't damage your credit history.

Other cash advances in Alaska 

If for any reason you want to avoid getting a short-term Payday Loan - consider the following alternatives:

  • Installment Personal Loans - they are cheaper and repaid over a longer period of time;
  • State Assistance Programs - if you are the resident of Alaska and have a low income you are eligible to get some help from the Government;
  • Ask your family or friends for help - it may sound embarassing bt they usually don't charge any interest and fees for giving you the money. Just keep in mind, you 'll have to pay it off all the same;
  • Plan your budget more carefully, save money, or earn some extra money.
 

Requirements to qualify for a Payday Loan in Alaska:

What do I need to qualify for a short-term cash advance?

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • Alaska (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

What are Payday Loans in Alaska?

All you need to know about Payday Loans.

Payday loans, or as they are also called “small dollar”, “bad credit”, “same day”, “short term”, “cash advance” are a kind of easy quick unsecured $100 - $1000 cash advance paid off with your next paycheck in 14 – 30 days. As soon as you are approved you are likely to get the money in your account in 24 hours or even the same day. Bad credit is not a problem to receive the necessary funds. Most direct lender Payday Loans are granted to any borrower with a steady income.

So, the main characteristics of Payday Loans are:

  • $100 - $1000 average loan amount;
  • 14-30 days repayment term;
  • money in your account in 24 hours or even the same day;
  • available even for bad credit;

Interesting to know!

More than 12 mln Americans use cash advance every year.

It’s legal in 36 states (with some restrictions in 9 of them) and prohibited in the other 14 and the District of Columbia.

You can take a Payday loan in storefronts, online and even in a few banks in Alaska. It’s very simple to apply for it:

  1. just fill out a form with the state and e-mail address,
  2. if you are over 18, have a permanent job, income and a valid bank account, you have 98% chance to get instant approval from a direct lender;
  3. receive the money in your bank account less than 24 hours.

Payday loans are very attractive for the majority of borrowers because you don’t need any guarantor or collateral, and you can get it even with a bad or poor FICO score.

On the other hand, they are notorious for charging too high APR and leading to a continuous debt trap, but it’s a common myth. To debunk it we provide you with the cost of $100 Payday Loan at 400% APR for 14 days which is only $1 a day. You can calculate the cost of your loan free using our Payday Loan Calculator. Try Payday cash advance and make sure that it’s really as easy as ABC: Affordable, Beneficial, Convenient!

How do Payday Loans Work in Alaska comparing to Installment Loans and Personal Loans?

Payday loans in Alaska are small dollar ($100 - $1,000) short term (14-30 days, in some cases up to 3 month) cash advance which is characterized by its easiness, speed, availability, even for those with bad credit, or without a credit history.

Payday lending is strongly regulated. Some states restrict or prohibit short-term loans for high costs.

Installment loans in Alaska are $1,000 - $5,000 credit borrowed for 6 – 36 months and paid back in equal repayments, usually unsecured and available for those with bad credit score.

Personal loans in Alaska are $5,000 - $35,000 credit granted for personal use, usually unsecured, backed up only by your ability to pay it back, for 6 – 60 months and repaid in equal installments.

The process of getting a Payday Loan in Alaska is quick and easy both online and in-store:

  1. Fill out a simple application form stating the amount you need, your name and e-mail address;
  2. Get instant decision and approval from one of the best direct lenders;
  3. Read the agreement and if you are satisfied with its terms and conditions sign it;
  4. Get the necessary funds in your account within 1-2 days if you apply online or same day if you go in a store.

Read more: How Payday Loans work.

Alaska Payday Loans vs Installment Loans vs Personal loans.

The key differences between Payday, Installment and Personal loans lie in their amount, repayment terms and rates. It can be seen more vividly in the form of the table:

 

Payday loans

Installment loans

Personal loans

Amount

100$ - 1,000$

1,000$ - 5,000$

5,000$ - 35,000$

Term

14 - 60 days

60 days - 36 months

Up to 60 months

Repayment

With the next paycheck

In scheduled installments every fortnight, month, 2 months.

Monthly, or in parts as it’s set in the agreement.

Interest rates, APR

APR – 300%-750%, plus 10-15% of 100$ borrowed

5.99% to 225% APR plus 5% fee

3.99% APR plus 450% origination fee

Collateral or guarantor

No

No

No

The APR is the loan interest rate and is based upon the amount, cost and term of the loan, repayment amounts and timing of payments. Lenders are legally required to show the APR and other terms of your loan before customer executes a loan agreement. APR rates are subject to change.

Taking into account the enumerated peculiarities this or that cash advance is preferred by certain borrowers for their special needs.

Payday cash advances are mostly applied for by people with bad credit, with a low income, who need a little cash for a short period. While Installment and Personal loans better suit the borrowers with good or bad credit, who want to take out higher amounts of money and need more time to pay it back, and don’t want to do a lot of paperwork looking for a collateral or guarantor.

Benefits of different types of loans:

Payday loans

  • Easy, quick way to get extra cash
  • Short repayment term, possibility to pay it back with the next paycheck
  • Suitable and convenient for emergency expenses

Installment loans

  • Higher amount than a payday loan
  • Smaller interest rates
  • Easier to pay off in installments over a longer period of time

Personal loans

  • Rather high amount of money
  • Available without guarantor or collateral (in contrast to mortgages, auto loans, etc.)
  • Easier to pay back having a precise scheduled plan.

As we can deduce, there are credit types, with their advantages and disadvantages, to suit needs and wishes of any American. The only thing you must do – get information and compare the offers. That’s exactly what our service helps you with. COMPACOM – compare all and choose the best one!

Guaranteed Payday Loans from direct lenders in Alaska

Many Alaska lenders promise you a guaranteed instant approval for a Payday Loan. But be careful, take into account all the risks concerning short-term cash advance. You should understand that not all the borrowers can be approved. Though Alaska Payday Loans are really highly available, even for bad credit and with NO credit check sometimes, lenders can’t guarantee 100% approval. If you have no job, very low income, or many debts in the past, your chances to get the money are very low.

The truth is you do get an instant decision from a lender. Especially if you fill out our online application form you save plenty of time and energy and make lending procedure much faster and easier. It takes only several minutes to match you with the necessary lender and get his reply. That’s why Payday Loans are rightly considered the fastest and the easiest.

Related article

Loans for ANY  NEEDS
APR from 4.99%

Loans for ANY  NEEDS
APR from 4.99%

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We strive to keep all the information on this site up-to-date and accurate but you should check any rates and terms as well as other product or service information on the provider's website.