Personal loans in Old Harbor, AK

Old Harbor shed about 4.2% of its population between the 2020 base and the 2023 estimate. Old Harbor counts about 207 people, and what is genuinely local about borrowing here is limited — Alaska law does the governing.

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

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Roughly 207 residents live in Old Harbor, the 101st-largest community in Alaska. A larger market lies at Kodiak, AK about 52 miles away. A lender that serves Old Harbor operates under Alaska lending statutes and a Alaska supervisor. If debt is already a strain, a nonprofit credit counsellor can help Old Harbor residents before they take on more.

Old Harbor: population, trend and location

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

Population: 207 residents; Old Harbor is the 101st-largest of 149 places in Alaska (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 4.2%.
People gained or lost: about 9 fewer since the 2020 base.
Size percentile: with 207 residents, Old Harbor is larger than about 32% of Alaska's Census places.
Population density: 13 people per square mile on 16.2 square miles of land.
By land area: Old Harbor ranks 49th among Alaska's 149 places, at 16.2 sq mi.
Water area rank: Old Harbor ranks 38th among Alaska's 149 places, with 6.40 sq mi.
Share of Alaska: Old Harbor holds about 0.0% of the state's population, some 207 people.
National rank: Old Harbor is the 16,373rd most populous of the 19,457 Census places covered here.
Growth rank: Old Harbor's 2020-to-2023 change ranks 89th of 149 places in Alaska.
State comparison: Alaska's places average -3.1% for 2020-to-2023, against Old Harbor's 4.2%.
Density rank: Old Harbor places 114th among Alaska's places by people per square mile.
Against the state median: Old Harbor runs about 13 residents per square mile, where the Alaska median is 40.
Location: 57.2188 / -153.3297, per the US Census Bureau Gazetteer.
Nearest larger cities: Kodiak (52 mi). Larger metros often have more branches, but online lenders reach Old Harbor on the same terms.
Smaller communities within reach: Larsen Bay (33 mi); Akhiok (38 mi); Port Lions (48 mi).
Within a 50-mile radius: 3 smaller Census places.
At 100 miles: 1 larger Census places fall inside that radius.

What a Old Harbor borrower is actually offered

Most loans made to Old Harbor's 207 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Old Harbor. Because the payment is fixed, the total cost of a Old Harbor loan is knowable in advance — unlike a revolving card balance.

Where Old Harbor sits in Alaska

Among Alaska's 149 places, Old Harbor sits at 101st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Old Harbor ranks 89th of 149 in Alaska (about the 40th percentile). At about 13 people per square mile, Old Harbor is the 114th most densely settled place in Alaska. In land area, Old Harbor ranks 49th among Alaska's 149 places.

Alaska consumer-lending rules applied in Old Harbor

Alaska has no separate rate rule for Old Harbor; the sourced rows below are what reach every lender that serves its 207 people.

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

Land, water and location for Old Harbor

Old Harbor covers about 16.2 square miles of land, with 6.40 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 13 residents per square mile. The largest place in Alaska, Anchorage, lies about 308 miles away. Within 50 miles of Old Harbor there are 0 larger Census places. Within the same 50 miles lie 3 smaller Census places.

A pre-application checklist for Old Harbor

Complete these steps first when you borrow in Old Harbor (207 residents):

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Alaska regulator's records to confirm the lender is licensed here.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.

None of these steps is Old Harbor-specific: the same Alaska licensing and disclosure rules reach all 207 residents.

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Common questions

What are my options in Old Harbor 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 Old Harbor is the same as anywhere in Alaska.

What loan size can I expect in Old Harbor?

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 Old Harbor?

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 Old Harbor 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

Larsen Bay, AK — population 33
Port Lions, AK — population 165
Akhiok, AK — population 64
Kodiak, AK — population 5,354
Ouzinkie, AK — population 102
Seldovia, AK — population 248
Newhalen, AK — population 150
Homer, AK — population 6,040