Alaska Payday Loans
- Apply online 24/7
- Fast approval
- From a state-licensed direct lender
- No credit check needed
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance offers payday loans in Alaska with instant approval decisions and same-day funding. You can get up to $500, even with bad credit. Apply online or visit a nearby store and complete the process in just a few minutes. We can help you cover your emergency expenses today.
How Does the Loan Process Work?
1F Cash Advance’s 3-step process is efficient, user-friendly, and stress-free:
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Submit a quick application. Fill out a short online form and upload proof of ID and income.
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Get approved in minutes. A soft credit check is performed with no impact on your score.
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Receive funds within 24 hours. Once approved and signed, your loan is typically funded the same day or by the next business day, depending on the timing and funding method.
Funding Options
There are two convenient ways to access your funds: via direct deposit to your bank account or through in-store cash pickup if you apply in person.
Instant funding may be available but is subject to eligibility. Applications approved before 10:30 am are typically funded the same day, while approvals after 10:30 am or on weekends are processed the next business day.
Basic Requirements
To get fast cash with 1F Cash Advance in Alaska, you must:
- Be at least 18 years old
- Have a valid government-issued photo ID
- Be an Alaska citizen or permanent resident
- Provide proof of income
- Have an active checking or savings account
- Provide a valid email and phone number
- Not currently in bankruptcy
Rates and Terms
In Alaska, payday loans have a minimum term of 14 days and cannot exceed $500 per borrower at any given time. The finance charge is up to 15% of the loan amount plus a non-refundable origination fee of up to $5.
A typical 14-day loan has an annual percentage rate (APR) of about 390%–435%. One renewal is allowed, followed by a 14-day “cooling-off” period or an installment plan without extra fees.
The table below provides example fees for various loan amounts and terms.
| Loan Amount | Fee* | Total Due | APR for 14-day loan | APR for 31-day loan |
|---|---|---|---|---|
| $100 | $20 | $120 | 521.43% | 235.48% |
| $200 | $35 | $235 | 456.25% | 206.05% |
| $300 | $50 | $350 | 434.52% | 196.24% |
| $400 | $65 | $465 | 423.66% | 191.33% |
| $500 | $80 | $580 | 417.14% | 188.39% |
*The finance charge also contains a $5 origination fee, which is not refundable.
Find 1F Cash Advance Store in Alaska
Need in-person support? You’re welcome to visit our Alaska store. We are conveniently located near East Dowling Road and Lake Otis Parkway.
Not in Anchorage? No problem. You can apply online from Fairbanks, Juneau, Wasilla, Sitka, or any other city in Alaska. The process is quick, secure, and entirely online, no need to leave your home. If you’re outside Alaska, we also serve customers in other states.
Why 1F Cash Advance
1F Cash Advance offers a fast, legal, and transparent way to get a payday loan in Alaska. Here’s what you get:
Fast access to funds
Apply online or in-store and receive up to $500 the same day. No long waits or unnecessary steps.
Clear requirements
No collateral or guarantors are needed. Just provide ID, proof of income, and an active bank account — that’s it.
Responsive customer service
Whether you apply online or visit our Anchorage location, our support team can guide you through the process and answer any questions without pressure or upselling.
FAQ
How can I get in touch with you?
You can reach us by phone at (360) 215-8606 or email us at [email protected]. Our team is always ready to help.
What’s the maximum amount I can borrow?
Alaska law limits both in-store and online payday loans to $500 per borrower. If you need more, consider an installment loan. You may qualify for up to $5,000 with repayment terms of up to 24 months. The exact amount you're eligible for will depend on your income and credit profile.
When will I need to repay the loan?
Your repayment date will be clearly stated in your loan agreement. Payment is typically withdrawn automatically, so make sure your account balance is enough to cover the amount due. We recommend setting your due date for the day after your next paycheck to avoid missed payments. If you’re unable to repay on time, please contact the lender in advance to discuss your options.
What does ACH/EFT authorization mean?
By signing the loan agreement, you let automatic payment withdrawals from your bank account. This means the total amount owed will be electronically debited on the due date. If your balance is insufficient, further withdrawal attempts may be made until the loan is paid in full. This authorization stays unless you cancel it in writing.
Is it possible to refinance my loan?
Yes, you can refinance your payday loan up to two times. The refinance fee is $15 per $100 borrowed, which covers additional interest for the extended term. We recommend paying extra toward the loan principal when refinancing to reduce costs.