Payday Loans

  • Overview

    Assisting Our Membership With COVID-19 Uncertainty

    We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

     

    Payday Loans

    Sometimes it is easy to get caught with expenses due while waiting on your next paycheck. When this happens, many people find themselves looking for a quick solution. While some lenders take a predatory approach and require people who are in this tough spot to put up their assets as a means of getting a loan, a regulated payday loan is a much better solution.

    Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.

    A short term loan to cover expenses between paychecks

    • Comparatively low loan fees.
    • Less stringent credit requirements.
    • Easier and safer to get the help you need between paychecks.
    • No collateral required.
    • Avoid excessive fees to alternative payday lenders.

    "You guys get a 5 in all areas. The service at Spirit of Alaska is always top notch."

    - C.W.

    Additional Information

    Payday loans from your credit union can help you avoid the worry that comes with missing important bills, having checks bounce, or having your credit score damaged.

    • One-month membership required prior to approval
    • Competitive Fixed Interest Rate of 28% APR* (compare to other payday lenders)
    • $20 fee for application
    • Loan terms ranging from one to six months
    • Loans ranging from $200-$1,000*
    • Same-day funds in most cases

    Disclosures

    *APR = Annual Percentage Rate. Payday Loan term and amount based on approved credit. Interest rates on new Payday Loans are subject to change at any time. Optional Spirit of Alaska Protection available.

    Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the loan disclosures.

     

  • Calculator

    This calculator is not supported for Internet Explorer. Please use an alternate browser, such as Edge, Firefox or Chrome. Alternatively, try this simple Personal Loan Calculator.

  • FAQ

    Frequently Asked Questions

  • Apply Now

e-Teller Login

Alert:

Our network provider has alerted us of potential downtime in the early morning hours of October 7th from 2:00 am - 4:00 am. Online & Mobile Banking may be offline for 30 minutes.

Search

I need help with Payday Loans

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

  • * Required
  • WARNING * Required
    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

  • * Required
  • WARNING * Required
    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

Leaving Our Website

Attention! You are now leaving the Spirit of Alaska Federal Credit Union website. We do not control the security or privacy practices used at the following website. Periodically, Spirit of Alaska Federal Credit Union's website may include information from third parties and/or links to other websites. Spirit of Alaska Federal Credit Union does not make any warranties, express or implied, regarding any third party information or links to alternate websites. In addition, Spirit of Alaska Federal Credit Union assumes no responsibility for the accuracy or reliability of the content provided by third parties. If you click "CONTINUE", an external website will be opened in a new browser window. If you click "CANCEL", you will be returned to the this website.


Letter from our Consumer Loans Department

A Message From Spirit of Alaska Federal Credit Union Consumer Loans Department About The COVID-19 Outbreak

As you know, the spread of COVID-19 has touched just about every aspect of our daily lives — from our families and schools to our places of work and worship.

We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

Payment concerns:

If you anticipate that it will be difficult or impossible for you to make your payment, there are options available.

If you become ill, are quarantined, your employment status changes or another hardship arises as a result of the COVID-19 outbreak, you may be eligible for short-term relief.

Please email us or call (907) 459-5970. We will work with our borrowers on a case-by-case basis to assist in any way possible.

If you have questions:

If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time.

Email: cloans@spiritofak.com
Phone: (907) 459-5970