- Payday loans in Ketchikan 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 Ketchikan; ask about small-dollar loans before borrowing.
Ketchikan at a glance
| Ketchikan | |
|---|---|
| Population (2024 Census estimate) | 8,033 |
| Change since 2020 | -1.7% (shrinking) |
| County | Ketchikan Gateway Borough |
| Size rank among 93 Alaska places we cover | 6th |
| Share of Alaska’s population | 1.1% |
| Nearest larger city | Juneau (about 229 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Ketchikan Gateway Borough | 1 |
| Other towns within 25 miles | 1 (about 377 residents) |
| Typical payday APR statewide (CRL 2023) | 424% |
Payday lending in Ketchikan follows Alaska state law. Lenders that serve Ketchikan, in a store or online, must be licensed by the Alaska Division of Banking and Securities.
Credit unions in Ketchikan
These credit unions have their main office in Ketchikan, according to NCUA call report data (June 2026):
- Tongass 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 Ketchikan
The main Alaska rules for a payday loan in Ketchikan: 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 Ketchikan
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 Ketchikan Gateway Borough before you borrow
- Call or text 211 for help with rent, utilities and food in Ketchikan Gateway Borough.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Ketchikan
The nearest larger city is Juneau, about 229 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 Ketchikan?
Yes. Payday loans are legal in Ketchikan 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 Ketchikan?
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 Ketchikan?
Yes. NCUA data lists 1 credit union with a main office in Ketchikan, including Tongass 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