Payday Loans in ALASKA USA

Alaska Payday Loan Laws and Legislation

It is hard to find people who have never come across financial problems. They can happen absolutely unexpectedly and have you over the barrel. Especially such things as illnesses or car breakdowns as well as a long list of other different things. It might be really hard times for families with poor budget and when extra money is nowhere to get. In such cases payday loans are real help and Alaska residents can rely on the assistance of lending companies that are always ready to offer the required amount of cash when it is needed most.

According to the existing legislation in Alaska payday lending is legal. Statute 06.50.100 contains all the information concerning the operation of payday lending companies as well as state policy on the subject.

Under the term payday loan is understood cash advance, or a certain amount of money that a person borrows for a period of time for a fee and must bay back with the next paycheck. Payday loans are unsecured and short term loans. In Alaska the maximum amount of such loan is $500. It is required that a borrower should be permanently employed or at least have got a permanent income source.

Alaska state laws also define the amount of finance charge that a lender is eligible to charge from a borrower. It is generally not more than $15 for each $100 borrowed (15%). $5 is also added as a non-refundable origination fee. So, the total financial charge amount becomes $20 for every $100 borrowed. APR in this case equates 520%. Loans cannot be given for a period shorter than 14 days. There is no limit to a maximum period. In case a borrower is unable to repay on time, two rollovers are allowed - a lending company can renew the repayment period twice every time for 14 days more and each time taking finance charge again. Any person can apply and take any quantity of payday loans as he or she needs at one time.

Nowadays payday lending is available to every resident of Alaska. It is a very fast and convenient procedure that does not require a lot of time to be approved. You will get the cash in your checking account within one business day and can solve all your problems without stress. You repay when your next paycheck arrives.

Our company is glad to introduce excellent service and is proud to be the one that always exceeds customers' expectations. Do not hesitate to apply - with loansdale.com you will forget all your financial troubles.

Alaska Cash Advance Laws & Regulations


Rates and Fees:

Payday Loan Offered: Yes
Max Loan Amount: $500
Loan Term: 14 days (min.)
Max. Finance Rates + Fees: $5 + the lesser of $15 per $100 or 15%

State Regulator Information:

Alaska Division of Banking and Securities
P.O. Box 110807
Juneau, AK 99811
Phone: (888) 925-2521
Website: http://www.commerce.state.ak.us/bsc/

Find Fast Payday Loan lender by cities in USA:

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Disclamer: 4paydayloan.com is not a lender and does not broker loans. This website collects information which you provide and then forwards it to one more or lenders in our network. Individual lenders make the loan approval decision and determine the terms and conditions of each loan agreement.

4paydayloan.com may share the information which you provide at any step of the application process with third parties, including members of its lender network and other third party lenders with whom it has a marketing relationship.Payday lenders may perform routine credit checks and will normally verify all of the information which you supply on the application.

Submission of personal information is strictly voluntary and does not guarantee that you will be matched with a payday lender or will receive a payday loan. Not everyone will qualify for a payday loan.Not all lenders are able to provide the maximum amount of 1000$ in cash funds.

Cash transfer times vary among the different lenders and not all offer one hour transfer service.Payday loans are not available in all 50 states and the list of participating states may change at any time and without notice.



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