Top 10 Near Me Payday Loans in Homer, Alaska (2025) with Comparison Chart, Eligibility Criteria & Real Reviews
- Published on -
- Written By - Tony Dorman
- Reviewed By - Zack M. Disette
Getting a credible payday loan source in Homer, Alaska, is perhaps the only key to solve an immediate money need. We have listed here some of the most reliable payday loan sources in Homer, with features, fees, and other useful information.
Comparison Chart
1. First National Bank Alaska Homer Branch
- Phone : +1 907-235-5800
- Rating: 4.5 / 5
- Reviews: ‘They are very affordable, and saved me from high interest traps.’
- Location: 3655 Heath St, Homer, AK 99603, United States
- Available Amenities: Online application, in person services, and educational resources on finances.
- Payments: $200 $1000
- Fees: Up to 28% APR
- Applications processed within: Same Day
- Term of loan: 6 Months
- Further Details:
- Working hours: Monday to Friday 9am – 5pm.
- Additional Features: Lower APR, does not review credit for PALs, but does for other services, requires membership.
2. Global Credit Union
- alaskatitleloans.com
- Rating: 3.8/5
- Location: 135 Sterling Hwy, Homer, AK 99603, United States
- Phone : +1 800-525-9094
- Available Amenities: Allows for in loja pick up.
- Fees: 391% payable overspend, between 25 and 30% for title loans.
- Payments: Up to $10000 in trading.
- Application processed within: 30 Minutes
- Term of loan: 2 weeks for cash advance. 30 days for pawn loans.
- Further Details:
- Outstanding Reviews: ‘Always easy and fast, great for emergencies.’
- Working Hours: Mon to Sat from 9 AM to 7 PM
- Features: No credit review for cash advance loans, title loans require vehicle title and deliver instant cash.
3. Northrim Bank - Homer Financial Center
- Reviews: ‘Rapid funding alongside very lenient repayment options.’
- Payment Plans: Flexible, request amounts between 100 and 1000, received within the day.
- Phone : +1 907-261-3312
- Rating: 3.5 out of 5
- Reviews: “Handy services offered, but the cost is steep.”
- Location Hours: Every day from 8 AM to 8 PM.
- Address: 601 E Pioneer Ave Suite 209, Homer, AK 99603, United States
- Features: Variety of financial services, online application is available.
- Amount Loaned: 50–50–500
- Levy Rate: 390%
- Determination Time: 1 hour
- Duration Of Loan: 14 to 30 days
4. Alaska Housing Finance Corporation
- Services Offered: Paystub and installment loans.
- Features: Collateral free and online/offline options.
- Phone : +1 907-235-2447
- Rating: 4 out of 5
- Reviews: “Cash is available immediately but make sure to check the details.”
- Location Hours: 24/7 online, store open Mon-Fri 10 AM to 6 PM.
- Address: 3670 Lake St # 400, Homer, AK 99603, United States
- Features: Expanded hours, mobile application available.
- Amount Loaned: $100–$500
- Levy Rate: Up to 390% apr
- Determination Time: 15 minutes when done online.
- Duration Of Loan: 14 days.
5. First American Title Insurance Company
- Services Offered: Cashing checks, title and payday loan services.
- Features: Variety of loans offered, available nationwide.
- Phone : +1 907-235-5201
- Rating: 3.7 out of 5
- Reviews: “Good employee assistance, rates are through the roof.”
- Location Hours: Monday to Friday from 9 AM to 6 PM.
- Address: 265 E Pioneer Ave Suite 101, Homer, AK 99603, United States
- Features: Loyalty rewards, self service kiosks in stores.
- Scheduled No. 1: 100,000-1000-Minute.
- Previously Known As: Almost an hour.
- The Due Date: Two weeks from today.
- Loan amount – $100 – $500
6. Homer Pawn & Loan
- Products/Services: Day of the week loans, pawn shops.
- Characteristics: Same-day cash loans and no credit check loans.
- Site: Homerpawn.com.
- Score: 3-out-of-5.
- Comments: “Cash—fast with some risk.”
- Attendance: Monday through Saturday 10 AM to 6 PM.
- Address: 135 Spit Rd, Homer, AK 99603.
- Services Provide: Selling electrical gadgets such as jewelry.
- Loan Amount: $50-$300 (pawn) $100- $500 (payday).
- Origination Fee: Up to 400%
- Maximum Funding Time: 15 minutes.
- The Due Date: 30 days.
7. CashNetUSA (Online)
- Services provided: Loans offered over the internet and directly deposited into the borrower’s checking account.
- Features: Dependable, completely electronic, direct deposit enabled.
- Site: CashnetUSA.com.
- Score: 3.9 out of 5 reviews.
- Comments: “Great loan, terrible rate.”
- Attendance: Open all day every day.
- Address: Homer. The establishment is virtual.
- Services: Loans offered at a rapid pace, and directly deposited into the borrower’s checking account.
- Loan Amount: $100-$1000.
- Fee APR: Up to 350 %
- The borrower can expect funding by the next business day.
- Reimbursement period: Until the next paycheck.
8. True North Federal Credit Union
- Services Provided: Part time work training (PALs), personal loans.
- Features: Under 10 percent APRs and member driven.
- Site: truenorthfcu.org.
- Score: 4.4 out of 5 reviews.
- The borrower can expect the funds in 1 business day.
- Established location: | 246 Kachemak dr. homer ak 99603.
- Residents are able to attend expense-less workshops for part time work in Homer.
- Loan Amount: $200- $1,000
- APR: Up to 25%
- Approval Time: Same day
- Loan Period: 6 months
9. Alaska Cash Advance (Online)
- Services: Online-powered payday loans.
- Features: No in-person visit required.
- Website: alaskacashadvance.com
- Rating: 3.5/5
- Reviews: “Fast, but expensive.”
- Hours: 24/7
- Location: Online
- Amenities: Fast application, electronic signature.
- Loan Amount: $100-$500
- APR: Up to 380%
- Approval Time: 24 hours
- Loan Period: 14 days
10. Zippy Loan ( Online )
- Services: Payday loans, weak credit loans.
- Features: Adjustable terms, auto-renewals.
- Website: www.zippyloan.com
- Rating: 3.2/5
- Reviews: “Yea, they need better policies for the debt cycle.”
- Hours: Mon – Sat 0900 – 1900
- Amenities: Credit builder accounts.
- Loan Amount: $100-$15000
- APR: Up to 395%
- Approval Time: 2 hours
- Loan Period: 14-30 days
Important Notes:
Alaska limits cash advance loans to a maximum of $500, with a 14 day term and an APR of no greater than 391%.
Credit unions (for example, Alaska USA, True North) have PALs with lower safety.
Always check the agreement options first for other options before obtaining a loan.
Check with lenders for current terms and details, since these tend to change often.
Eligibility Criteria for Homer, Alaska Payday Loans
To qualify for a payday loan in Homer, Alaska, the following criteria must be satisfied by applicants:
Age Requirement: Should be above 18 years.
Residency: Should be a citizen or legal resident of the United States.
Income Source: Should have a steady source of income (government benefits or job).
Bank Account: Should possess a valid checking account for direct deposits.
Identification: A government-issued photo ID is required.
Credit Check: Credit checks may be done by some lenders, but many provide no-credit-check loans.
Conclusion
Payday loans can be sources of fast financial relief during emergencies, but they are expensive with high-interest rates. It is important to carefully read the terms and conditions prior to applying. Borrowers should also seek alternative financial aid sources if feasible.
Disclaimer
This article is informational only and does not qualify as financial advice. Terms, interest rates, and conditions of a loan can vary with the lender. Borrowers are advised to do their own research and speak with financial advisors prior to procuring a payday loan.
