Personal loans in Diomede, AK

A single loan can carry different costs on either side of a state line, and Diomede sits on the Alaska side of that line. Diomede is one of 149 Census places in Alaska; its 80 residents put it at 134th. A lender serving Diomede holds a Alaska licence and answers to a Alaska regulator; no city office is involved for its 80 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 3.6%. Compare APR, not the interest rate, because the APR folds in most fees on a Diomede loan. The closest larger place is Wales, AK about 26 miles away.

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

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.

Where Diomede stands

Diomede is a small community; the notes below cover its population profile and the statewide rules that apply.

Where Diomede sits in Alaska

Against Alaska's other places, Diomede accounts for about 0.0% of the state's population and ranks 134th of 149 by size. On the 2020-to-2023 trend, Diomede stands 75th among Alaska's 149 places — roughly the 50th percentile. At about 33 people per square mile, Diomede is the 79th most densely settled place in Alaska. Between 2020 and 2023 the count changed by roughly 3 residents.

What is available to Diomede borrowers

At roughly 33 people per square mile, Diomede is sparsely settled; 1 larger places lie within 50 miles. Lenders licensed in Alaska reach Diomede's 80 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Wales, AK about 26 miles away.

Diomede on the map

Diomede's land area is roughly 2.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 33 residents per square mile. Anchorage, the largest place in Alaska, is about 680 miles from Diomede. Counting outward 50 miles, 1 larger communities surround Diomede. By land area it ranks 122nd of 149 Alaska places.

Inside a Diomede personal loan

With roughly 80 residents, Diomede is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Diomede's rank of 134th 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 Diomede decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Diomede

When Alaska does not publish a figure, the row links to the source instead of inventing a number; Diomede 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
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 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

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 Diomede 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 Diomede is the same as anywhere in Alaska.
What loan size can I expect in Diomede?
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 Diomede?
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 Diomede 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.

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