- Payday loans in Kivalina 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.
- The nearest larger city is Fairbanks, about 507 miles away.
Kivalina at a glance
| Kivalina | |
|---|---|
| Population (2024 Census estimate) | 400 |
| Change since 2020 | -9.5% (shrinking) |
| County | Northwest Arctic Borough |
| Size rank among 93 Alaska places we cover | 76th |
| Nearest larger city | Fairbanks (about 507 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 424% |
Payday lending in Kivalina follows Alaska state law. Lenders that serve Kivalina, in a store or online, must be licensed by the Alaska Division of Banking and Securities.
Credit unions near Kivalina
NCUA data (June 2026) shows no credit union headquartered in Kivalina or Northwest Arctic Borough. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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.
Payday loan rules that apply in Kivalina
The main Alaska rules for a payday loan in Kivalina: 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 Kivalina
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 Northwest Arctic Borough before you borrow
- Call or text 211 for help with rent, utilities and food in Northwest Arctic 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 Kivalina
The nearest larger city is Fairbanks, about 507 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 Kivalina?
Yes. Payday loans are legal in Kivalina 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 Kivalina?
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.
Where is the nearest credit union to Kivalina?
NCUA data shows no credit union headquartered in Kivalina or its county. Use the NCUA credit union locator to find branches and online credit unions.
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