Unsecured Loans

Get the cash you need

With an unsecured loan, your signature is your guarantee—no collateral needed.

Competitive rates and no application fee

Today’s Rates

APR as low as1 13.50%

With an unsecured personal loan, you can get the cash you need to finance big projects or unexpected expenses. Or you can use your loan to consolidate other debts and simplify your monthly payments. Either way, there’s no collateral required. 

  • We offer competitive, affordable rates.  
  • There are no application or origination fees. 
  • Apply online, by phone, or in a branch.  
couple taking selfie with baby

Benefits of unsecured loans

With an unsecured loan, your signature is your guarantee. You can get the cash you need without tying up your other assets. 

  • Get a fixed rate and term. 
  • Know what your payment will be each month. 
  • There’s no need to provide any collateral. 
  • Use your loan for anything, from home improvement to braces for your kids. 

Personal Loan calculator

How it works

1

Apply for a Loan

Apply online, by phone, or in a branch—whatever’s easiest for you.

Apply Now

2

Get a Decision

In most cases, we can make a decision on your loan application in under 24 hours.
3

Get Your Loan

Once approved and funded, you can set up automatic payments from checking or savings.

Unsecured Loan FAQs

In most cases, we can make a decision on your loan application in under 24 hours.  In some cases, we may need to ask you for more details, and then the process takes a little longer.

You’ll need to provide the following information on your loan application: 

  • Name 
  • Social security number 
  • Physical and mailing address 
  • Employment information 
  • Gross monthly income 
  • Date of birth 

In some cases, we may ask for additional information after you submit your application.  

With an unsecured loan, we base our decision on your credit history, income, and other criteria. You don’t need to put up any collateral for an unsecured loan. 

With a secured loan, we use the money in your Alaska USA Savings or Certificate Account as collateral for your loan. This means that if you can’t make your loan payments, we will use the money in your Savings or Certificate Account to pay back the loan. 

No, you don’t have to be a member to apply, but you do need to become a member if you want to take the loan. But don’t worry—it’s quick and easy to join Alaska USA. 

When you apply for a loan, we ask if you’re already an Alaska USA member. If you’re not, just follow the instructions at the end of the application process to join. 

Learn about loans & credit

Couple applying for a credit card together

Move Your Debt to a Smarter Card

You could save money by transferring your credit card balance to a new card.

Young couple sitting together

How to Build Credit from Scratch: 4 Things to Know

Building credit can be tricky, especially if you don’t have a credit history.

Woman shopping for a new credit card

What's the Best Credit Card for You?

Choosing a new credit card? Here’s what to look for.

1Interest rate is dependent upon the credit qualifications of the borrower(s). Rates are subject to change at any time for any reason. See our rates page for full details.