- Payday loans in Juneau follow Alaska law (Alaska Statutes chapter 06.50 (Deferred Deposit Advances)).
- We could not verify a fee cap for Alaska; check current limits with the Alaska Division of Banking and Securities.
- 1 credit union is headquartered in Juneau; ask about small-dollar loans before borrowing.
Juneau at a glance
| Juneau | |
|---|---|
| Population (2024 Census estimate) | 31,572 |
| Change since 2020 | -2% (shrinking) |
| County | Juneau City and Borough |
| Size rank among 93 Alaska places we cover | 3rd |
| Share of Alaska’s population | 4.3% |
| Nearest larger city | Anchorage (about 558 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Juneau City and Borough | 1 |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Juneau payday law: Alaska rules apply here, and any lender serving Juneau residents, online or in person, needs a license from the Alaska Division of Banking and Securities.
Credit unions in Juneau
These credit unions have their main office in Juneau, according to NCUA call report data (June 2026):
- True North Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Juneau
In short, Alaska rules that cover Juneau include: licensing: lenders must be licensed by the Division of Banking and Securities; limits: set by AS 06.50; check the Division’s deferred deposit page for current amounts and fees. See the full Alaska payday loan rules.
What a $300 loan costs in Juneau
The Center for Responsible Lending put the typical APR on a $400 payday loan in Alaska at 424% (June 2023). We could not verify a fee cap for Alaska; check current limits with the Alaska Division of Banking and Securities. Check any offer with our payday loan calculator.
Other help in Juneau City and Borough before you borrow
Before a payday loan, Juneau residents can usually find something cheaper:
- Local assistance through 211 covering Juneau City and Borough.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Juneau
The nearest larger city is Anchorage, about 558 miles away. See all 93 Alaska cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Juneau?
Yes. Payday loans are legal in Juneau under Alaska state law, and lenders must be licensed by the Alaska Division of Banking and Securities.
How much does a payday loan cost in Juneau?
We could not verify a fee cap for Alaska; check current limits with the Alaska Division of Banking and Securities. The typical statewide APR was 424% in 2023.
Are there credit unions in Juneau?
Yes. NCUA data lists 1 credit union with a main office in Juneau, including True North Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Alaska Division of Banking and Securities — Deferred deposit advance
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary