- Payday loans in Wainwright 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 514 miles away.
Wainwright at a glance
| Wainwright | |
|---|---|
| Population (2024 Census estimate) | 594 |
| Change since 2020 | -5.4% (shrinking) |
| County | North Slope Borough |
| Size rank among 93 Alaska places we cover | 48th |
| Nearest larger city | Fairbanks (about 514 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 424% |
There is no separate Wainwright payday law: Alaska rules apply here, and any lender serving Wainwright residents, online or in person, needs a license from the Alaska Division of Banking and Securities.
Credit unions near Wainwright
NCUA data (June 2026) shows no credit union headquartered in Wainwright or North Slope 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 Wainwright
In short, Alaska rules that cover Wainwright 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 Wainwright
We could not verify a fee cap for Alaska; check current limits with the Alaska Division of Banking and Securities. Statewide, the typical APR on a $400 payday loan was 424% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in North Slope Borough before you borrow
Before a payday loan, Wainwright residents can usually find something cheaper:
- Local assistance through 211 covering North Slope 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 Wainwright
The nearest larger city is Fairbanks, about 514 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 Wainwright?
Yes. Payday loans are legal in Wainwright 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 Wainwright?
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 Wainwright?
NCUA data shows no credit union headquartered in Wainwright 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