Personal loans in Gambell, AK
Gambell is home to roughly 620 people and stands 44th by size out of 149 Census places in Alaska. The trend for Gambell between 2020 and 2023 is downward by roughly 3.7%. Gambell, Alaska — home to about 620 people — is a small community, so the terms you are offered follow Alaska law rather than any local rule. To lend to Gambell's 620 residents, a company must hold a Alaska licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gambell's 620 residents are no exception. The next larger city is Savoonga, AK about 39 miles away.
Borrowing in Gambell: the local picture
Here is the sourced Census picture for Gambell, plus the Alaska lending rules that apply to a loan taken out here.
- Population: an estimated 620 residents, 44th of 149 places in Alaska (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 3.7% between 2020 and 2023.
- Absolute change: 24 residents lost between 2020 and 2023.
- Size percentile: with 620 residents, Gambell is larger than about 70% of Alaska's Census places.
- Population density: 59 people per square mile on 10.5 square miles of land.
- By land area: Gambell ranks 65th among Alaska's 149 places, at 10.5 sq mi.
- Water: Gambell holds about 17.91 square miles, the 20th-largest water area in Alaska.
- Share of Alaska: Gambell holds about 0.1% of the state's population, some 620 people.
- Nationally: Gambell is the 12,291st-largest of 19,457 Census places in the dataset.
- Growth in Alaska: Gambell stands 77th by percentage change from 2020 to 2023, among 149 places.
- State comparison: Alaska's places average -3.1% for 2020-to-2023, against Gambell's 3.7%.
- Density in Alaska: Gambell ranks 68th by people per square mile.
- Against the state median: Gambell runs about 59 residents per square mile, where the Alaska median is 40.
- Location: latitude 63.7758, longitude -171.7234 (Census Gazetteer).
- Nearest larger cities: Savoonga (39 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places within 50 miles: 0 of them.
- Within 100 miles: 1 places are larger than Gambell.
Lender access in Gambell
Gambell is a sparsely settled community of about 620 people, with 1 larger places inside a 50-mile radius. What is available to Gambell's 620 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Savoonga, AK about 39 miles away.
Where Gambell sits
The Census Gazetteer records 10.5 square miles of land and 17.91 square miles of water within Gambell. That land carries about 59 people per square mile. The largest place in Alaska, Anchorage, lies about 734 miles away. Gambell has 1 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.
What a Gambell borrower is actually offered
With roughly 620 residents, Gambell is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Gambell. The term you choose in Gambell decides the split between a comfortable payment and the total interest you pay.
Alaska consumer-lending rules applied in Gambell
For the roughly 620 residents of Gambell, 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 |
Gambell in state context
Among Alaska's 149 places, Gambell sits at 44th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Gambell ranks 77th of 149 in Alaska (about the 48th percentile). By density, at about 59 people per square mile, it ranks 68th in Alaska. The population moved by about 24 people between 2020 and 2023, a 3.7% shift.
Common questions
What are my options in Gambell if my credit is poor?
What loan size can I expect in Gambell?
Do I have to pledge anything to borrow in Gambell?
Does comparing loans in Gambell cost me credit score points?
Nearby places
- Savoonga, AK — population 804
- Diomede, AK — population 80
- Wales, AK — population 162
- Brevig Mission, AK — population 415
- Teller, AK — population 238
- Hooper Bay, AK — population 1,308
- Shishmaref, AK — population 555
- Nome, AK — population 3,639