Personal loans in Quinhagak, AK
For a borrower among the roughly 750 residents of Quinhagak, a personal loan is a tool whose cost turns on the terms, not the address. By population, Quinhagak sits at 37th in Alaska, with an estimated 750 residents. Work out your debt-to-income ratio first; lenders weigh it heavily, and Quinhagak's 750 residents are no exception. Quinhagak lost roughly 3.2% of its population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Quinhagak's 750 residents. A larger market lies at Togiak, AK about 71 miles away.
Quinhagak by the numbers
Read the local figures below as context; read the sourced Alaska table as the rulebook a lender here must follow.
- Population: about 750, ranked 37th of 149 places in Alaska (Census Vintage 2023 subcounty estimate).
- Population trend: About 3.2% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 25 residents.
- Size percentile: roughly 75% of Alaska's places have fewer residents than Quinhagak's 750.
- Density: roughly 176 residents per square mile, spread over 4.2 sq mi of land.
- By land area: Quinhagak ranks 104th among Alaska's 149 places, at 4.2 sq mi.
- Water area: Quinhagak has 0.44 square miles of water, ranking 99th of 149 places in Alaska.
- Within Alaska: about 0.2% of the state's population lives in Quinhagak.
- National rank: Quinhagak is the 11,462nd most populous of the 19,457 Census places covered here.
- Growth in Alaska: Quinhagak stands 56th by percentage change from 2020 to 2023, among 149 places.
- Against the state trend: Quinhagak's 3.2% change compares with a Alaska average of -3.1% across its 149 places.
- Density rank: Quinhagak is the 36th most densely settled place in Alaska.
- Density in context: Quinhagak's 176 people per square mile sit against a Alaska median of 40.
- Location: it lies at 59.7513, -161.8972 in the Census Gazetteer.
- Nearest larger cities: Togiak (71 mi); Bethel (72 mi); Kwethluk (74 mi). Lenders licensed in the state serve Quinhagak whether or not they keep a local branch.
- Smaller communities within reach: Eek (33 mi); Goodnews Bay (45 mi); Platinum (55 mi).
- Within a 50-mile radius: 2 smaller Census places.
- Larger places within 100 miles: 3.
Inside a Quinhagak personal loan
With roughly 750 residents, Quinhagak 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 Quinhagak's rank of 37th in Alaska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Quinhagak loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Lender access in Quinhagak
At roughly 176 people per square mile, Quinhagak is lightly settled; 0 larger places lie within 50 miles. What is available to Quinhagak's 750 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Togiak, AK about 71 miles away.
The Alaska lending rules that reach Quinhagak
When Alaska does not publish a figure, the row links to the source instead of inventing a number; Quinhagak is bound by the same rules.
| 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 |
Before you apply in Quinhagak
Complete these steps first when you borrow in Quinhagak (750 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Alaska licence with the regulator named above before committing.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
The process is identical across Alaska; what changes is your credit file, not the fact that Quinhagak holds 750 people.
Quinhagak against the rest of Alaska
Against Alaska's other places, Quinhagak accounts for about 0.2% of the state's population and ranks 37th of 149 by size. For population change between 2020 and 2023, Quinhagak ranks 56th of 149 in Alaska (about the 62th percentile). By density, at about 176 people per square mile, it ranks 36th in Alaska. Between 2020 and 2023 the count changed by roughly 25 residents.
Common questions
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What loan size can I expect in Quinhagak?
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Nearby places
- Eek, AK — population 389
- Goodnews Bay, AK — population 252
- Platinum, AK — population 54
- Napakiak, AK — population 344
- Napaskiak, AK — population 494
- Bethel, AK — population 6,292
- Kwethluk, AK — population 782
- Nunapitchuk, AK — population 580