Best Online Payday Loans Alaska

Every day, thousands of Americans find themselves in need of some financial help. Whether you’ve come upon an unexpected expense from an emergency situation, or simply can’t meet the demands of a hefty utility bill or grocery expense, responsible Americans commonly come up against bills that are nearly impossible to clear.

You might have unseen travel bills, unexpected payments, hospital bills, or short-term expenses that you simply can’t budget for. Everyone occasionally needs help.

That’s why we’ve worked double-time to compile a list of the most customer-friendly and reasonable payday lenders for you to check out and compare if and when the time has come for a meeting with lenders who will give out large cash settlements to individuals in need.

In the following list, we’ll take a close look at the best online payday loan providers in Alaska. If you’re interested in short-term, high-interest payouts, the following providers will be among the best opportunities for you to investigate. 

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The 10 Best Online Payday Loans In Alaska

We’ll run through the biggest benefits and drawbacks you’ll meet with each loan provider, along with the most current data about their interest rates and hidden fees. Hopefully, by the end of the list, you’ll find a lender for you!


Cash Central Alaska Payday Loans

If you’re looking to improve your well-being over the short-term and you need an emergency influx of funds, Cash Central is the lender to check out. Since over 40% of Alaskans have resorted to online credit at one point on another, Cash Central is aware of the demands of local Alaskans. 

Their 24/7 customer service function offers one of the most accessible FAQs for Alaskans looking for help when refinancing with payday loan companies.

Alaskans looking to refinance with Cash Central will find several options. Regardless of your repayment schedule, you’ll have to pay high interest, service fees, and rollover fees if the payback is delayed.

When applying for a short-term payday loan, you’ll be required to submit proof of documents that confirm your regular income, employment, and age from 18-65. You’ll also need adequate information for bank accounts and Social Security involvement.


Snappy Payday Loans Alaska

Alaska is an expensive state to live in. Regardless of your expenses, residents are bound to come up against unforeseen expenses from time to time. Snappy PayDay Loans offers a super-secure online payday loan interface with 128-bit encrypted connection transmission that allows its borrowers to access the best lenders in the state.

To apply at Snappy PayDay Loans, you must demonstrate the following:

  • Be 18 years of age, 
  • Be a permanent resident of Alaska and the US
  • Have a job for as long as one month
  • Can access a working phone number and email address

Overall, Alaska is a state that permits some of the lowest interest rates and fees for people looking for online short-term or personal loans. You’ll have to pay a $15 origination fee as well as a sliding scale rate of $15 per $100 in your loan. While these rates may seem high compared to lenders in the state, these fees are generally lower than in the rest of the country, ranking Snappy PayDay loans as one of the most respectable lenders in Alaska.


Check Into Cash Payday Loans Alaska

Check Into Cash has one of the most recognizable company names for many Alaskans, most likely due to its massive TV presence and dozens of locations over the state. The company boasts an impressive A+ rating from the BBB, too, which should give potential customers some relief knowing that the company will take special care of their loan requests.

Their online application process is straightforward, with the bonus that Check Into Cash loan experts are available 24/7 to listen to any questions you may have. They offer payday loans, short-term and installment loans, as well as title loans, serving a large number of individuals with the emergency funds they need.

In Alaska, you’ll be able to apply for up to $500 installment loans and $500 payday loans that will be deposited in your checking or savings account in 1-2 days. You’ll need to be at least 18, have a SS number, ID, banking information, and proof of income to apply.

APR for payday and installment loans in Alaska fall below the average when you apply to Check Into Cash. You get the option of repaying in one week, two weeks, or one month when you apply for online payday loans, with interest rates rising as high as 400% on the short-term loans. 

Such high rates mean that it would be better to apply for a smaller loan — for groceries or a seasonal cost like tax returns — than their maximum amounts, generally speaking.


Maybe Loan Alaska Payday Loans

If you’re struggling to cover your utilities needs, have credit card debts, or perhaps have emergency issues that require funds right away, MaybeLoan is there for you in the state of Alaska.

Thanks to the regulations of the state of Alaska, payday lenders cannot charge more than $1 per $5 that you borrow. The good folks at MaybeLoan are well aware of these regulations, which means they won’t ever charge interest rates higher than 309%. That makes MaybeLoan one of the most forgiving online installment loans in Alaska for high-need borrowers.

The lenders at MaybeLoan promise a no-questions-asked online application process. You’re likely to spend the majority of your precious time comparing rates in the applications process online.

Luckily, MaybeLoan offers some of the most diverse and widespread collections of lenders in the state of Alaska. If you’re looking for a well-connected and peer-reviewed lending network when searching for the best online payday loans in Alaska, sign up.

On top of that, MaybeLoan has locations all over the state of Alaska. The requirements for the application are typical for all Alaska online payday loan companies: you must be over 18 years of age and provide proof of legal status and address. 

In Alaska, you’ll be able to withdraw up to $1000 per month. If your credit is subpar, you can expect much higher interest rates. If APR falls above 500%, you might shop around for better deals.


Spirit Of Alaska Payday Loans

Without any collateral and the excessive fees that alternative payday lenders require, Spirit of Alaska offers a more relaxed payback schedule and liberal interest rates than comparative online personal loans in Alaska. This company offers a close-to-home, neighborly alternative to many larger national online short-term loan companies in the US.

Spirit of AK runs along with a membership program, meaning you’ll have to enroll in their membership program to gain access to their exclusive payday loan programs. It’s worth it though, as Spirit of AK carries a huge number of benefits:

  • Competitive Fixed Interest rates of 28% APR
  • A measly $20 fee for opening an account 
  • Increased loan terms up to six months
  • Same-day funds in many cases, especially with good credit

If you’re looking for a local alternative to major US national chains, and you want the benefit of accessing a brick-and-mortar location near your home, Spirit of AK is an excellent choice. As long as you have the credit score to access their exclusive APR rates, this company offers some of the most beneficial online payday loan opportunities for responsible borrowers.


Speedy Payday Loans Alaska

SpeedyCash is a nationally-recognized online personal loan service in Alaska with more locations than any other short-term loan repayment center in the state.

SpeedyCash has been around since 1997, and it’s consistently been innovating the payday loan enterprise. Its mobile service opened in 2015, making it one of the more modern companies out there. Many customers report that they received their payments on the same day.

In Alaska, applicants can obtain as much as $500 at an APR of 417.14%. That comes out as an $80 finance charge split up into four payments — higher than average charges in total. 

However, SpeedyCash does ask for a few additional charges that can quickly pile up. At the time of opening the loan, they’ll include a 10% acquisition fee and a monthly maintenance fee of between $12.50 and $15, depending on the size of the loan. Add to that the $75 finance charge for opening the loan, and you’re looking at an especially expensive payment.

SpeedyCash offers applications for payday loans, open-ended lines of credit, as well as installment loans for a longer repayment schedule. The company is well-known as a one-stop-shop for online loan applications so the odds are, you’ll find a lender very quickly through SpeedyCash, hence the name. 


Just as most online payday lenders in Alaska offer loans up to $1000, the good folks at Golden Valley Lending provide a respectable service for people who need emergency access to online personal loans and online short-term loans without much foresight. 

Golden Valley offers a decreasing payment scale. Every time you make a scheduled payment, the loan principal decreases in kind. That means that larger loan amounts will become more and more affordable with time. 

In Alaska, individuals looking for an emergency injection of funds up to $1000 can count on Golden Valley Lending distributing funds in one day, as long as you send in the application before 4:30 eastern time. This quick turnover makes Golden Valley one of the most responsive online payday loan companies out there. 

Just keep in mind that payback will require extensive interest payments of up to 400%. Good thing, Golden Valley offers payday loan alternatives to borrowers with respectable credit scores. If your credit is above 600, the lenders at Golden Valley Lending recommend you investigate alternative payment methods.


OppLoans markets itself as one of the quickest online marketplaces for people in Alaska looking for instantaneous access to up to $1000 in payday loan funding. 

As far as speed goes, OppLoans is indeed one of the fastest and most responsive lenders out there. However, Alaskans should be aware of the drawbacks of signing a contract with this company.

The online interface that users will find available from OppLoans is remarkable. The process of applying for payday or installments loans through this company is swift and straightforward. 

However, users should be aware that OppLoans is not a native Alaskan company. If this is important to you, beware. OppLoans services a large variety of online payday loan companies not just in Alaska. If your credit leaves something to be desired and you’d rather your lender doesn’t check your credit score, OppLoans is the company for you. 


ExtLoansUSA Payday Loans Alaska

ExtLoansUSA has some of the fastest response times compared to comparative online payday loan companies. If you’re bound to have lots of questions about the lending process, this company will be ideal for you.

This company promises one of the fastest online payday loan application processes in Alaska. Less than 3 minutes. From $100 to $1000, this company can connect you to lenders with access to funds that will resolve your emergency needs in minutes.

ExtLoansUSA offers special services for Alaskans and particularly lax eligibility requirements in Alaska. If you are over 18 years of age, can provide proof of residence in Alaska, as well as proof of employment and regular income, this online loan provider can help. 

Since they have physical locations from Minto to Wasilla, native Alaskans can be sure that they are working with their neighbors and fellow laborers. Just beware of interest rates when credit is lacking.


Opening in 1986, Check City is one of the longest-running active online payday loan companies in Alaska, with dozens of physical locations to visit for questions and advice. But their online payday loan service is their most-used feature. The application process takes only a handful of minutes, occurs on one page, and all you need is:

  • A government-issued ID 
  • proof of employment
  • income info
  • bank account numbers 
  • and a personal reference

Check City pays out qualified applicants one day after signing. A benefit of applying online is being able to skip over the requirement that you bring a personal check with you if you apply in-person. That means you can expect money in your bank account in one day.

Check City is one of very few online payday loan lenders who offer their customers an extended payment plan if you can’t pay off the loan in the agreed-upon term. Check City offers repayment terms of one week, two weeks, or one month. If you request an extension, you won’t incur any extra fees–a major benefit. You can only ask for one extension per year.

Like other online personal loan companies in Alaska, Check City charges initial fees of $20-$80 per $100 loan and additional fees for verifying your identity. Check City commands extremely high-interest rates. APR averages in Alaska fall between 521% to an even more serious 417% over a longer repayment schedule.


Everyone meets unexpected financial emergencies. Whether you had a car accident, had a health emergency, or need a swift injection of funds to cover utilities costs, everyone eventually reaches out for monetary help.

Online short-term loans in Alaska can answer many questions. If your credit is presentable, then there are up to $1000 benefits in the state of Alaska, with interest rates depending on credit scores. If your credit leaves something to be desired, then repayment feeds may be extraordinary. It’s important never to sign a contract, no matter how reputable the company, without researching competitors.

That’s why we compiled this list of the 10 best online payday loan companies in Alaska. There is an overflow of information available that can lead potential borrowers off on unforeseen tangents when looking for aid on the best online payday loan companies. 

We hope this article has provided enough data to open a future for you with as few fees and interest as possible. 

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