Payday Loans in Ward Cove, Alaska

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No payday loan companies in Ward Cove, AK. Consider companies in other cities:

Company nameAddressZip codePhone number
First National Bank Alaska South Center Branch 201 W 36th Ave, Anchorage, AK 99503 +1 (907) 777 - 3825
KeyBank 101 W Benson Blvd, Anchorage, AK 99503 +1 (907) 564 - 0243
Valley Collections Inc 300 W Swanson Ave # 106, Wasilla, AK 99654 +1 (907) 376 - 7148
Cash America Pawn 3920 Mountain View Dr, Anchorage, AK 99508 +1 (907) 276 - 7296
Cash America Pawn 150 Muldoon Rd, Anchorage, AK 99504 +1 (907) 338 - 3297
Credit Union 1 - Soldotna Branch 44758 Sterling Hwy, Soldotna, AK 99669 +1 (907) 339 - 9485
Denali State Bank - Chena Pump Branch 470 Chena Pump Rd, Fairbanks, AK 99709 +1 (907) 458 - 4281
First National Bank Alaska Eastchester Branch 1821 Gambell St, Anchorage, AK 99501 +1 (907) 777 - 3652
KeyBank 401 N Santa Claus Ln, North Pole, AK 99705 +1 (907) 459 - 3266
Money Mart 6311 Debarr Road, Anchorage, AK 99504 +1 (907) 644 - 0552

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ward Cove, AK, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Haines, AK, Online Loans in Houston, AK, Emergency Loan in Juneau, AK, Payday Loans in Kasilof, AK, Payday Loans in Kenai, AK, Bad Credit Loans in Ketchikan, AK, Payday Loans in King Salmon, AK and Payday Loans in Kodiak, AK. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ward Cove, AK.

Are Payday Loans Legal In Ward Cove, Alaska?

Loan Rates and Fees, Laws and Regulations in Alaska.

Alaska Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)435
Maximum Loan Amount$500
Minimum Loan Term14 days
Maximum Loan TermNot Specified
Number of Rollovers Allowed2
Finance Charges15% of the amount advanced

Ward Cove, AK payday loan calculator

Understanding Payday Loans in Ward Cove, Alaska

Payday loans are short-term loans that you can use to cover unexpected expenses until your next paycheck. They are common in Ward Cove, Alaska, and are available to anyone who has a consistent income and a checking account. While payday loans can be a helpful resource, it’s important to understand how they work and what to expect before you apply.

How Payday Loans Work

Payday loans in Ward Cove, Alaska, are typically due in full on your next payday, which is typically around two weeks after you receive the loan. To apply for a payday loan, you will need to provide proof of income and a valid ID. You’ll also need to have a checking account where the lender can deposit the loan and withdraw the repayment amount when it’s due.

The amount you can borrow with a payday loan varies depending on your income and other financial factors. In Ward Cove, the maximum loan amount is $500. You will also be charged a fee for borrowing the money, which can range from $15 to $25 per $100 borrowed.

Benefits of Payday Loans

Payday loans can be a helpful resource when you need cash quickly for unexpected expenses. Some benefits of payday loans include:

  • Quick and easy application process
  • No collateral required
  • Can help you avoid late fees or overdraft charges
  • Can be used for any purpose, such as car repairs or medical bills

However, it’s important to remember that payday loans are short-term loans with high fees and interest rates. They should only be used as a last resort and when you can afford to repay the loan on time.

Risks of Payday Loans

While payday loans can be a helpful resource, they also come with risks and drawbacks. Here are some potential risks to consider before applying for a payday loan:

  • High fees and interest rates can make the loan expensive
  • Can lead to a cycle of debt if you can’t repay the loan on time
  • May harm your credit score if you don’t repay the loan
  • May be tempting to use frequently, leading to financial instability

These risks are important to consider before applying for a payday loan. Be sure to weigh the benefits and risks carefully and only borrow what you can afford to repay on time.

Interesting Facts and Statistics

According to a report by the Alaska Division of Banking and Securities, the average payday loan amount in Alaska is $363. The report also found that nearly 70% of borrowers take out multiple payday loans per year, and that the average loan term is 14 days. This highlights the importance of carefully managing your finances and only using payday loans when necessary.

Apply Now

If you’re considering a payday loan in Ward Cove, Alaska, be sure to use a trusted resource like TheGuaranteedLoans. We are a connector service that can put you in touch with potential lenders who offer payday loans in your area. Keep in mind that we are not a direct lender and cannot guarantee loan approval, but we can help you navigate the loan process and find a lender who meets your needs.

To apply for a payday loan, simply fill out our online application form and submit it for review. If you’re approved, the lender will deposit the loan into your checking account and withdraw the loan amount plus fees and interest on your next payday. Remember to carefully review the loan terms and only borrow what you can afford to repay on time.

Conclusion

Payday loans can be a helpful resource when you need cash quickly for unexpected expenses. However, they also come with risks and drawbacks that should be carefully considered before applying. If you’re considering a payday loan, be sure to weigh the benefits and risks carefully and use a trusted resource like TheGuaranteedLoans to find a lender who meets your needs.

F.A.Q.

Can I have multiple payday loans in Ward Cove, Alaska at the same time?

No, borrowers in Ward Cove, Alaska are only allowed to have one payday loan at a time. If a borrower has an outstanding payday loan, they must repay it in full before they can apply for another one.

What happens if I cannot repay my payday loan in Ward Cove, Alaska?

If a borrower is unable to repay their payday loan in Ward Cove, Alaska on the due date, they may be eligible for a payment plan with the lender. However, failure to repay the loan may result in additional fees and penalties, and the lender may take legal action to collect the debt.

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