Personalloaned Compare rates

AK · city page

Personal loans in Anaktuvuk Pass, AK

A personal loan in Anaktuvuk Pass is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. Anaktuvuk Pass is home to about 403 people and ranks 74th among the 149 Census places in Alaska. Alaska's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Anaktuvuk Pass at a glance

  • Population: 403 — 74th in Alaska, which has 149 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 428 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: down roughly 5.8% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Alaska places: 74th-largest of 149 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: roughly 50% of Alaska's places have fewer residents (US Census Bureau).
  • Coordinates: 68.1498 latitude, -151.6971 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: the closest larger place is more than 120 miles away.
  • Smaller places nearby: Bettles, AK (86 mi); Allakaket, AK (114 mi), per US Census Bureau estimates.

What a personal loan costs in Anaktuvuk Pass

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Alaska lending rules that apply in Anaktuvuk Pass

The table lists the Alaska rules that apply to a loan made in Anaktuvuk Pass, each with the regulator that published it.

RuleDetailSource
Payday lending statusPermitted — licensed deferred deposit advances; max $500 outstanding per borrower; origination fee ≤$5; fee ≤$15 per $100 or 15%; minimum 14-day term
Source says: "may not make advances to an advance recipient that exceed $500 outstanding in advances to the recipient at one time"; "a fee that does not exceed $15 for each $100 of an advance, or 15 percent of the total amount of the advance".
Alaska Legislature — Alaska Statutes §§ 06.50.410, 06.50.460
as of 2026-09-16
Small-loan / installment lender licensingLicense required from the department to make loans of $25,000 or less at above-legal rates; $25,000 liquid assets and $25,000 bond required
Source says: "without first obtaining a license from the department"; "liquid assets of at least $25,000".
Alaska Legislature — Alaska Statutes §§ 06.20.010, 06.20.040
as of 2026-09-16
State lending regulatorAlaska Department of Commerce, Community, and Economic Development (Division of Banking and Securities)
Source says: "department means the Department of Commerce, Community, and Economic Development". The Division of Banking and Securities (commerce.alaska.gov/web/dbs) administers the department's lending license programs.
Alaska Legislature — Alaska Statutes § 06.50.900(5)
as of 2026-09-16
Maximum legal interest rate (usury cap)10.5% per annum default; by contract, the greater of 10% or 5 percentage points above the 12th Federal Reserve District advance rate (loans over $25,000 exempt)
Source says: "The rate of interest in the state is 10.5 percent a year and no more on money after it is due"; "more than the greater of 10 percent or five percentage points above the annual rate charged member banks for advances by the 12th Federal Reserve District".
Alaska Legislature — Alaska Statutes § 45.45.010
as of 2026-09-16

How to compare offers in Anaktuvuk Pass

Before you share your details with a lender in Anaktuvuk Pass:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Alaska using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Anaktuvuk Pass?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Anaktuvuk Pass are the same as elsewhere in Alaska.
How much can I borrow with a personal loan in Anaktuvuk Pass?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Anaktuvuk Pass require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Anaktuvuk Pass hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related