Kiana at a glance
- Population: roughly 422 people; 69th of 149 places in Alaska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 453 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 6.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Alaska places: 69th largest of 149 (US Census Bureau).
- Size percentile: roughly 54% of Alaska's places have fewer residents (US Census Bureau).
- Coordinates: 66.9726, -160.4344 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Noorvik, AK (19 mi); Selawik, AK (28 mi); Kotzebue, AK (56 mi); Buckland, AK (71 mi) (US Census Bureau populations).
- Smaller towns nearby: Ambler, AK (69 mi); Shungnak, AK (88 mi); Deering, AK (89 mi) (US Census Bureau).
What a personal loan costs in Kiana
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Alaska lending rules that apply in Kiana
Read the table as the compliance picture for a lender serving Kiana: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Payday lending status | Permitted — 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 licensing | License 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 regulator | Alaska 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 |
How to compare offers in Kiana
Before you commit to a personal loan in Kiana, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Alaska using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.