Aktivepay

Instant Advances.

Built for Your Life in Alaska.

Turn your PFD or Native Corporation dividend into fast, responsible access to cash — no credit score needed.

Instant Advances.

Built for Your Life in Alaska.

Turn your PFD or Native Corporation dividend into fast, responsible access to cash — no credit score needed.

Banks Don’t Get Alaska. But We Do.

Wrong Timing

Bills don’t wait for your PFD or quarterly dividends

Loan Denied

Too many Alaskans are denied credit for reasons that don’t make sense here.

No Trust

17% of Alaskans are unbanked — we’re changing that.

Simple. Secure. Fast.

Apply in Minutes

Link your bank. We verify your dividend stream (PFD, ANC). No credit check.

See Your Advance Limit

Our proprietary Alaska-built engine calculates what you’re eligible for.

Access Your Funds Instantly

We deposit to your Aktive Pay Wallet. Spend freely with your Aktive Pay Card.

Banks Don’t Get Alaska. But We Do

Real People. Real Needs. Real Alaska.

My ANC pays every 3 months. Now I don’t have to wait
for help.

William

Kotzebue Elder

Between shifts, Aktive Pay helped me stay ahead — without credit
card debt.

Grace

Nurse in Bethel

This app gets how we live. Finally, I can cover things
between harvests.

Mason

Seasonal Fisherman

Built to Serve, Not Exploit

Build for Alasknas by Alaskans
Partnered with non-profits like Alaska Literacy Program
Loans under 36% APR, always
SOC-2 certification in progress
Banking via Pathward, N.A., Member FDIC
No rollovers, tricks, or hidden fees — ever

Frequently asked questions

How is my data protected?

We use bank-level encryption and comply with federal and state privacy laws. Your personal and financial information is never sold and is protected through secure servers and encrypted transmission.

Is Aktive Pay a bank?

No. Aktive Pay partners with a federally chartered bank to provide advances safely and in compliance with regulations. We act as your technology and support platform — not as a bank.

How is my loan repaid?

Your loan is repaid automatically when your Permanent Fund Dividend (PFD) or Alaska Native Corporation (ANC) distribution arrives. We also provide flexible repayment options if your deposit is delayed.

What happens if my dividend is late?

If your dividend is delayed, we’ll work with you. No surprise penalties. You’ll still have time to make repayment arrangements, and we’ll notify you clearly about next steps.

Ready for Lending That Understands Alaska?

Join over 500 Alaskans who want early access. Be the first to try Aktive Pay and get
a $25 credit on your first advance.