Personalloaner

Personal loans in Akutan, AK

The 2020 count to the 2023 estimate shows about 0.2% growth in Akutan. With 1,586 residents, Akutan outranks about 84% of the communities in Alaska. Akutan is a small community of about 1,586 residents, and a personal loan taken out here is governed by Alaska statute. Price two or three terms so you can see which payment is truly affordable in Akutan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Akutan's 1,586 residents. Borrowers who want a bigger city can look to Unalaska, AK about 35 miles away.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Akutan: the sourced local profile

What follows is Akutan's place in the Census record, alongside the Alaska rules that govern a personal loan made here.

How personal loans work in Akutan

In Akutan, a small community of about 1,586, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Akutan's rank of 24th in Alaska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Akutan decides the split between a comfortable payment and the total interest you pay.

The geography behind Akutan

Inside Akutan's boundaries lie roughly 66.0 square miles of land and 81.93 square miles of water. Spread across it are roughly 24 residents per square mile. Anchorage, the largest place in Alaska, is about 776 miles from Akutan. Akutan has 1 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

Where Akutan sits in Alaska

Akutan is the 24th-largest of 149 Census places in Alaska and contains about 0.3% of the state's people. Its 2020-to-2023 change ranks 18th of 149 Alaska places, putting it near the 88th percentile for growth. Its roughly 24 residents per square mile place it 87th among Alaska's places. The population moved by about 3 people between 2020 and 2023, a 0.2% shift.

Borrowing reach in Akutan

Akutan is sparsely settled, with about 24 people per square mile and 1 larger places within 50 miles. What is available to Akutan's 1,586 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Unalaska, AK about 35 miles away.

Alaska consumer-lending rules applied in Akutan

When Alaska does not publish a figure, the row links to the source instead of inventing a number; Akutan is bound by the same rules.

RuleDetailSource
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
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
Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Akutan if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Akutan is the same as anywhere in Alaska.
What loan size can I expect in Akutan?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Akutan?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Akutan cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related