Personal loans in Clark's Point, AK

The first question in Clark's Point is not the rate on offer but whether the payment fits; about 63 people live here under Alaska lending law. Population in Clark's Point dropped about 4.5% over the three years from 2020 to 2023.

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

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Clark's Point ranks 138th of 149 places in Alaska, with a population near 63. Verify the lender's Alaska licence against the regulator named below before borrowing in Clark's Point. A single loan can carry different costs on either side of a state line, and Clark's Point sits on the Alaska side of that line. The nearest larger metro is Manokotak, AK about 15 miles away.

Clark's Point: population, trend and location

Only a few things actually differ by place — population, area, location, and the Alaska rules a lender must follow — and they are below.

Population: about 63 people live here, which puts Clark's Point 138th of 149 Census places in Alaska (Vintage 2023).
Population trend: Down about 4.5% from the 2020 Census base to the 2023 estimate.
Absolute change: 3 residents lost between 2020 and 2023.
Size percentile: with 63 residents, Clark's Point is larger than about 7% of Alaska's Census places.
Population density: about 19 people per square mile (Census land area 3.3 sq mi).
Land area: Clark's Point covers 3.3 square miles, the 115th-largest area among Alaska's 149 places.
Water area: Clark's Point has 0.79 square miles of water, ranking 89th of 149 places in Alaska.
State population share: Clark's Point accounts for about 0.0% of everyone in Alaska.
National standing: Clark's Point ranks 18,775th of 19,457 US places.
Growth rank: Clark's Point ranks 109th among Alaska's 149 places for the 2020-to-2023 change.
Against the state trend: Clark's Point's 4.5% change compares with a Alaska average of -3.1% across its 149 places.
Density rank: Clark's Point is the 97th most densely settled place in Alaska.
Density in context: Clark's Point's 19 people per square mile sit against a Alaska median of 40.
Location: 58.8330, -158.5273 (US Census Bureau Gazetteer).
Nearest larger cities: Manokotak (15 mi); Dillingham (16 mi); Aleknagik (32 mi); Ekwok (51 mi); New Stuyahok (63 mi). Lenders licensed in the state serve Clark's Point whether or not they keep a local branch.
Nearest smaller towns: Egegik (57 mi); Pilot Point (94 mi); Platinum (115 mi).
Smaller places within 50 miles: 0 of them.
Within 100 miles: 6 places are larger than Clark's Point.

What shapes a Clark's Point personal loan

With roughly 63 residents, Clark's Point is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Clark's Point's 63 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Clark's Point decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Clark's Point

Clark's Point's land area is about 3.3 square miles; a further 0.79 square miles is water. Spread across it are roughly 19 residents per square mile. The state's population centre of gravity, Anchorage, is roughly 357 miles away. A 50-mile radius around Clark's Point takes in 3 places that are larger. The 100-mile radius contains 6 larger places.

What Alaska law requires in Clark's Point

For the roughly 63 residents of Clark's Point, the rules below are Alaska's own; each row carries its publisher and retrieval date.

Rule	Detail	Source
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
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

The Clark's Point borrowing checklist

A sensible order of operations for a loan in Clark's Point, home to about 63 people:

Pull your credit reports first and correct any error before a lender sees the file.
Price the payment first with our personal loan calculator before any lender quotes you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Make sure the lender appears in the Alaska regulator's licence list.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Make sure the new payment leaves room in a budget you already keep.

In Clark's Point as elsewhere in Alaska, the written terms — not the advertisement — are what count for its 63 residents.

Getting a loan in Clark's Point

With about 19 residents per square mile, Clark's Point is sparsely settled, and 3 larger Census places sit within 50 miles. Lenders licensed in Alaska reach Clark's Point's 63 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Manokotak, AK about 15 miles away.

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Common questions

What are my options in Clark's Point 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 Clark's Point is the same as anywhere in Alaska.

What loan size can I expect in Clark's Point?

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 Clark's Point?

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 Clark's Point 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

Dillingham, AK — population 2,126
Manokotak, AK — population 464
Aleknagik, AK — population 199
Ekwok, AK — population 103
Egegik, AK — population 34
New Stuyahok, AK — population 491
Pilot Point, AK — population 61
Port Heiden, AK — population 91