Payday Loans and Cash Advance in Koyukuk, AK
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the maximum fee Alaska law allows (up to $15 per $100 advanced (or 15% of the advance, whichever is less), plus a nonrefundable origination fee of up to $5). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Alaska lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Koyukuk residents can request payday loans of $100 to $500 online in a few minutes and see the full cost before deciding. Alaska caps payday loans at $500. Fee limit: up to $15 per $100 advanced (or 15% of the advance, whichever is less), plus a nonrefundable origination fee of up to $5. At the maximum fee, a $300 loan means about $350 due on your next payday.
Why request online
Payday Loans in Koyukuk: the short answer
Installment loans in Koyukuk
Need more than $500 or more time to repay? Alaska also allows small loans from licensed lenders, repaid in fixed monthly payments. 3% a month on the first $850 of unpaid balance and 2% a month on $850 to $10,000; above $10,000 the rate is set by contract (up to $25,000).
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Small loan license from the Alaska Division of Banking and Securities (AS 06.20).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
Koyukuk, AK: Local Financial Snapshot
City-level ACS dataLocal economic and housing context for Koyukuk. Figures use the latest 2020–2024 American Community Survey 5-Year release available for small-area comparison.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year. Tables B01003, B19013, B25064, B25071, B17001 and B23025. City-level payday-loan volume is not consistently published for every U.S. locality, so no local borrowing count is estimated here.
Your protections in Koyukuk
- Maximum loan amount: $500.
- Fee limit: Up to $15 per $100 advanced (or 15% of the advance, whichever is less), plus a nonrefundable origination fee of up to $5.
- Minimum loan term: 14 days.
- Renewals: Up to 2 consecutive renewals, each at least 14 days, at fees no higher than the original; then repay in full.
- Payment plan: After default the lender must offer a plan of up to 6 months, 5% down, no added fees (except a bad-check fee).
- Loan limits: No more than $500 outstanding at once across all of a lender's locations; an advance cannot be split or doubled up.
- Lenders must hold a license from the Division of Banking and Securities, Dept. of Commerce, Community, and Economic Development and disclose fees and APR before you sign.
Lower-cost options in Koyukuk
Loan places near me in Koyukuk
Select an address to display that exact location on the map.
Payday loans near me: Koyukuk and nearby towns
Requests work the same from any of these nearby Alaska towns; distances are straight-line from Koyukuk.
- Nulato, AK11 mi · pop. 255 · median income $53,021
- Galena, AK28 mi · pop. 611 · median income $87,875
- Kaltag, AK49 mi · pop. 68 · median income $68,125
- Selawik, AK62 mi · pop. 412 · median income $52,500
- Ruby, AK66 mi · pop. 237
- Huslia, AK69 mi · pop. 51 · median income $30,417
Other nearby towns:
What borrowing looks like in Koyukuk
Worked out from local Census income and rent figures and state lending rules, so you can plan before you apply.
Payday or installment loan: which costs less in Koyukuk?
See the math
A $500 payday loan at about $15.00 per $100 plus a $5 origination fee costs about $80.00 for two weeks, due in one payment of $580.00. As a regulated installment loan at the Alaska limit of 34.2% APR over 6 months, $500 costs about $91.84 a month and $51.04 in total interest. The payday loan is shorter; the installment loan is easier on a monthly budget if you cannot repay everything on your next payday.
Do I need to visit a store to get a loan in Koyukuk?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 196 miles from Koyukuk, but if a lender approves you, money is usually sent by direct deposit, often by the next business day.
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Questions people ask
Where can I get a cash advance near me in Koyukuk?
The nearest bank and credit union locations listed on this page are about 196 miles away, but you do not need to visit one: the request is online and takes a few minutes. If a licensed lender approves you, the money is usually sent by direct deposit, often by the next business day. Alaska rules on loan amounts and fees apply.
Can I get a loan in Koyukuk with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Koyukuk, Alaska?
Yes. Alaska licenses lenders through the Division of Banking and Securities, Dept. of Commerce, Community, and Economic Development under Alaska Stat. ch. 06.50 (Deferred Deposit Advances).
How much can I borrow in Koyukuk?
Up to $500 under Alaska law. The lender sets your amount based on your income and state rules.
How much does a payday loan cost in Alaska?
Fee limit in Alaska: up to $15 per $100 advanced (or 15% of the advance, whichever is less), plus a nonrefundable origination fee of up to $5. At $15 per $100, a $300 two-week loan costs $50, about 435% APR.
Where can I complain about a lender in Alaska?
Contact the Division of Banking and Securities, Dept. of Commerce, Community, and Economic Development or submit a complaint to the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Sources
State rules, regulator contacts and legal sources are listed on the Alaska page. Local income and housing figures: U.S. Census Bureau, American Community Survey 2020–2024.