Personal loans in Lower Kalskag, AK
Lower Kalskag is home to roughly 269 people and stands 89th by size out of 149 Census places in Alaska.
If you are weighing a personal loan in Lower Kalskag, start from the payment you can carry; its 269 residents face the same statewide rules. Compare APR, not the interest rate, because the APR folds in most fees on a Lower Kalskag loan. Lenders active in Lower Kalskag report to a Alaska supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 3.2% decline in Lower Kalskag. The closest larger place is Aniak, AK about 27 miles away.
Local context for Lower Kalskag
Set out below is Lower Kalskag's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 269 residents in Lower Kalskag (Vintage 2023 subcounty estimate), the 89th-largest figure among Alaska's 149 places.
- Population trend: Down about 3.2% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 9 residents.
- Size percentile: roughly 40% of Alaska places rank below Lower Kalskag.
- Land and density: 1.2 square miles of land carry roughly 218 residents per square mile.
- Land area: Lower Kalskag covers 1.2 square miles, the 135th-largest area among Alaska's 149 places.
- Water area rank: Lower Kalskag ranks 96th among Alaska's 149 places, with 0.52 sq mi.
- State share: roughly 0.1% of Alaska's residents live in Lower Kalskag (269 people).
- National standing: Lower Kalskag ranks 15,505th of 19,457 US places.
- Growth in Alaska: Lower Kalskag stands 59th by percentage change from 2020 to 2023, among 149 places.
- Versus Alaska: the state average change is -3.1%, while Lower Kalskag moved 3.2%.
- Density rank: Lower Kalskag is the 29th most densely settled place in Alaska.
- Density in context: Lower Kalskag's 218 people per square mile sit against a Alaska median of 40.
- Location: 61.5147, -160.3585 (US Census Bureau Gazetteer).
- Nearest larger cities: Aniak (27 mi); Russian Mission (38 mi); Akiak (50 mi); Marshall (61 mi); Kwethluk (61 mi). Larger metros often have more branches, but online lenders reach Lower Kalskag on the same terms.
- Smaller communities close by: Upper Kalskag (2 mi); Chuathbaluk (37 mi); Holy Cross (49 mi), each with its own Census population profile.
- Smaller neighbours: 3 places smaller than Lower Kalskag sit within 50 miles.
- At 100 miles: 10 larger Census places fall inside that radius.
Lower Kalskag on the map
Lower Kalskag covers about 1.2 square miles of land, with 0.52 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 218 residents per square mile. The state's population centre of gravity, Anchorage, is roughly 367 miles away. Counting outward 50 miles, 2 larger communities surround Lower Kalskag. By land area it ranks 135th of 149 Alaska places.
Where Lower Kalskag sits in Alaska
Against Alaska's other places, Lower Kalskag accounts for about 0.1% of the state's population and ranks 89th of 149 by size. Its 2020-to-2023 change ranks 59th of 149 Alaska places, putting it near the 60th percentile for growth. Its roughly 218 residents per square mile place it 29th among Alaska's places. In land area, Lower Kalskag ranks 135th among Alaska's 149 places.
Which Alaska laws govern a loan in Lower Kalskag
These are Alaska's sourced lending facts as they reach Lower Kalskag's 269 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Lender access in Lower Kalskag
Lower Kalskag is lightly settled, with about 218 people per square mile and 2 larger places within 50 miles. What is available to Lower Kalskag's 269 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Aniak, AK about 27 miles away.
What a Lower Kalskag borrower is actually offered
With roughly 269 residents, Lower Kalskag 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 Lower Kalskag. A longer term lowers the monthly payment on a Lower Kalskag loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Upper Kalskag, AK — population 209
- Aniak, AK — population 494
- Holy Cross, AK — population 170
- Russian Mission, AK — population 404
- Akiak, AK — population 448
- Chuathbaluk, AK — population 99
- Anvik, AK — population 71
- Kwethluk, AK — population 782