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Payday Loans in Alaska

Compare licensed lenders • Check AK regulations • Apply online

Last updated: June 2026

Max Loan
$500
Cities Covered
0
Legal Status
Legal
Population
733,391

Alaska Payday Loan Regulations

Max Loan Amount:$500
Max Term:14 days
Typical APR:521%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Alaska are regulated by the Division of Banking and Securities. Maximum $500 with typical APR up to 521%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Alaska

Payday loans in Alaska are regulated by the Division of Banking and Securities. Maximum $500 with typical APR up to 521%.

Alaska is located in the West region of the United States with a population of 733,391.

Key Regulations:

  • Maximum APR: 521%
  • Maximum loan amount: $500
  • Maximum term: 14 days
  • Rollovers allowed
  • Regulated by Alaska Division of Banking and Securities

Regulatory Authority: Alaska Division of Banking and Securities
Official Website: https://www.commerce.alaska.gov/web/dbs/

Representative Example APR in Alaska

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Alaska depend on lender pricing, term length, and state compliance limits.

Cities in Alaska

Browse all 0 city pages in Alaska

Frequently Asked Questions – Alaska

Are payday loans legal in Alaska?
Yes, payday loans are legal in Alaska. The state is regulated by the Alaska Division of Banking and Securities, which oversees all payday lenders. Payday loans in Alaska are regulated by the Division of Banking and Securities. Maximum $500 with typical APR up to 521%.
What is the maximum payday loan amount in AK?
The maximum payday loan amount in Alaska is $500. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Alaska?
In Alaska, payday loans typically have a maximum term of 14 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in AK?
Payday loans in Alaska are regulated by the Division of Banking and Securities. Maximum $500 with typical APR up to 521%.
How do I find licensed payday lenders in Alaska?
All payday lenders in Alaska must be licensed by the Alaska Division of Banking and Securities. You can verify a lender's license at https://www.commerce.alaska.gov/web/dbs/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in AK?
Most Alaska payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Alaska?
In Alaska, the maximum APR is 521%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in AK?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Alaska may change. Always verify current regulations with the Alaska Division of Banking and Securities before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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