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Top 10 Near Me Payday Loans in Haines, Alaska (2025) with Comparison Chart, Eligibility Criteria & Real Reviews

Published on - March 13, 2025
Written By - Tony Dorman
Reviewed By - Zack M. Disette

Payday loans are typically designed for short duration with high interest rates to provide immediate assistance for a financial emergency. In Haines, Alaska, multiple lenders provide these services but each of them has custom features, varying loan amounts and diverse terms. Below is a meticulously compiled list of payday loan providers for the residents of Haines, Alaska, and their relevant information:

Comparison Chart

1. CashNetUSA

Services: Online payday loans, installment loans.
Features: Quick funding, prepaid cards, get paid up to 2 days early to the number or bank account.
Website: www.cashnetusa.com
Rating: 4.2/5 (Trustpilot)
Rating: Fast customer service. Closure of loan is indeed helpful.
Working Hours: 24/7 support.
Location: Online (serves Haines, AK).
Amenities: Bilingual customer service and app.
Loan Amount: $100-$500(paid day 1 $3500, installment).
APR: Up to 390%-780%
Approval Time: Immediately.
Loan Period: 14 days(min)-6-24 months(installment).

2. Check Into Cash

Services: Title loans/Payday loans (online).
Features: Not a complicated process but very high costs.
Website: www.Checkintocash.com
Rating: 3.8/5 (BBB)
Review: Online answer down of over high price.
Working Hours: 24/7 for online, from Mon-Sat for Voice.
Location: Online for residents of Alaska.
Amenities: Su education calculator.
Loan Amount: $50-$1000
APR: Up to 435%
Approval Time: Less than hour
Loan Period:14- 30 days.

3. BlueTrust Loans

Services: no prepayment ripoffs/new installment loans.
Rating: 4.0/5 (Google Review)
Review: Good for emergency b needs, Offers installment loan with strong APR.
Working Hours: 24/7 offer online.
Location: From every corner of the United States including AK.
Amenities: Auto debit payments available, no hidden fees.
Loan Amount: $800-$3,000.
Loan Period: 4-26 months.
APR – Up to 410%

4. Rise Credit

Services Provided: Offers installment loans.
Includes: Reports for credit-building, flexible term for repayment.
Website: risecredit.com
Rating: 4.5 out of 5 on Trustpilot.
Reviews: “Helped me improve my credit score. ”
Working Hours: Online 24 hours a day, 7 days a week.
Location: Operates online (accessible in AK).
Amenities: Discounts for payment on time.
Loan Amount: $500 – $5,000 dollars.
APR: Between 99 to 299 percent.
Approval Time: Within a day up to a maximum of 2 days.
Loan Period: From 4 months to a max of 26 months.

5. BadCreditLoans (Connector Service)

Services: Matches borrowers with lenders (payday, personal loans).
Features: Free service, multiple offers.
Website: badcreditloans.com
Rating: 4.0/5 (ConsumerAffairs)
Reviews: “Good for bad credit but read terms carefully.”
Working Hours: 24/7.
Location: Online.
Amenities: No fees to apply.
Loan Amount: $500– $10,000.
APR: 5.99%–35.99% (varies by lender).
Approval Time: Minutes.
Loan Period: 3-36 months.

6. CreditAccess Alaska (Tribal Lender)

Services: High interest installment loans.
Features: Tribe sovereignty, no credit check.
Website: creditalaska.com
Rating: 2.5/5 (BBB)
Reviews: “Fast cash, but extremely high rates.”
Working Hours: Mon-Fri 8am-5pm AKST.
Location: Online (headquartered in AK).
Amenities: extended repayment plans.
Loan Amount: $500- $5,000.
APR: 500%-700%.
Approval Time: 24 hours.
Loan Period: 6-24 months.

7. Possible Finance

Services: Installment loans.
Features: No credit check, early repayment discounts.
Website: possiblefinance.com
Rating: 4.7/5 (App Store)
Reviews: “User-friendly app, fair terms.”
Working Hours: 24/7 app-based.
Location: Online (serves AK).
Amenities: Mobile app, instant approval.
Loan Amount: $100- $500.
APR: 150%-200%.
Approval Time: Under 10 minutes.
Loan Period: 2-4 months.

8. LendNation

Services: Online payday loans, title loans.
Features: Rollover options, instore pickup (not in AK).
Website: lendnation.com
Rating: 3.5/5 (Google Reviews)
Reviews: “Quick but expensive.”
Working Hours: Online 24/7.
Location: Online (AK Residents).
Amenities: Loyalty rewards.
Loan Amount: $100- $1,000.
APR: 400%-600%.
Approval Time: 1 hour.
Loan Period: 14-30 Days.

9. Alaska USA Federal Credit Union

Services: Personalized small loans (payday alternative)
Features: Lowes APR, membership needed.
Website: alaskausa.org
Rating: 4.3/5 (BBB)
Reviews: “Affordable and Reliable”.
Working Hours: Mon-Fri 9am-5pm.
Location: Branches in Anchorage, Online Statewide.
Amenities: Financial counseling, low fees.
Loan Amount: $500- $10,000.
APR: 8.99%-17.99%.
Approval Time: 1-3 days.
Loan Period: 6 to 60 months.

10. Speedy Cash

Services: Payday loans, installment loans (available online).
remarkable attributes: No hidden costs and same day funding
website: speedycash.com
rating: 4.0/5 (Trustpilot)
reviews: “Quick, but expensive for immediate needs.”
operative times: 24/7 online.
location: The Internet (AK eligible)
amenities: Multiple loans and mobile friendly.
Loan Amounts: $100– $1,500
APR: 400%–600%
Approval time: In a couple of minutes
Loan Period: 14 days to 1 year

Notes:

regulations: Alaska regulations limit payday loans to a maximum 500 with a 14-day term of maximum 15 dollar fee per $100.
Alternatives: Lower-APR Personal loans available through credit unions (Alaska USA for example).
Online Dominance: Due to Haines having limited physical stores, most lenders listed operate online.

Always review terms carefully and consider alternatives before borrowing.

Eligibility Criteria for Payday Loans in Haines, Alaska (2025)

To obtain a payday loan in Hines, Alaska, the following requirement needs to be fulfilled:

Must be at least 18 years old.
Must be an American or a legal resident who permanently stays in Alaska.
Must have some form of employment, benefit or other income source.

Bank Account: Many lenders expect an active checking or savings account with a direct deposit in order to grant access to their services.
Government Issued ID: A valid driver’s license, state ID, or passport must be provided as proof of identification.
Credit Check: A few lenders do credit checks, and some offer no credit checks at all.
Repayment Ability: Must prove ability to repay the loan based on income and expenses incurred.

Disclaimer

Payday loans are designed only for use in emergencies, as they are expensive and short-term in nature. Borrowers should be aware of the excessive APRs, fees, and possible shredding costs which can result in a debt cycle. Having multiple payday loans can be harmful to one’s credit and financial standing. It is advisable to consider credit unions or personal installment loans, which typically have far more reasonable rates. Always be sure to understand the terms and conditions before any contract is signed.

When experiencing financial hardships, consulting a financial advisor or looking into government aid funds can help avoid the need for a payday loan.

About Author

Tony Dorman

Finance Writer & Loan Industry Enthusiast Tony’s fascination with the loan segment drives his commitment to uncovering the fine print others ignore. Specializing in payday loan regulations, hidden fees, and borrower protections, he crafts content that prioritizes your financial safety. His goal? To ensure you never feel alone in your borrowing journey.