AK · LOAN-AGMT · Updated July 2026 · Free
Alaska Loan Agreement
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Alaska at a glance: Usury Cap: 5% above Federal Reserve discount rate · Governing Law: Alaska Stat. § 45.45.010
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Overview
Loan Agreements in Alaska
Alaska caps interest rates on small loans under $25,000 at 5 percentage points above the Federal Reserve discount rate (Alaska Stat. § 45.45.010).
Key Facts
Alaska Loan Agreement — Quick Reference
| Requirement | Alaska Rule |
|---|---|
| Usury Cap | 5% above Federal Reserve discount rate |
| Governing Law | Alaska Stat. § 45.45.010 |
Legal Requirements
Alaska Legal Requirements
- Interest rates must adhere to the floating usury limit based on Federal Reserve adjustments.
Governing Laws
Alaska Governing Laws
Read the full text of these laws at Cornell Law School's Alaska legal resources or your state legislature's official website.
Questions & Answers
Alaska Loan Agreement — Frequently Asked Questions
Are loans over $25,000 exempt from usury in Alaska?
Yes, loans over $25,000 are generally exempt from standard usury limits.