Personal loans in Ruby, AK

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ruby's 134 residents. About 134 people live in Ruby, placing it 118th of 149 Census places in Alaska. Compare APR, not the interest rate, because the APR folds in most fees on a Ruby loan. The 2020 count to the 2023 estimate shows about 4.3% decline in Ruby. The closest larger place is Galena, AK about 41 miles away.

Local context for Ruby

Two layers matter for a Ruby borrower: the local population picture and Alaska's consumer-lending statutes.

• Population: 134 — Ruby ranks 118th of 149 communities in Alaska (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 4.3%.
• People gained or lost: about 6 fewer since the 2020 base.
• Size percentile: Ruby sits ahead of around 21% of Alaska places, at 134 people.
• Land and density: 7.0 square miles of land carry roughly 19 residents per square mile.
• Land area: Ruby covers 7.0 square miles, the 79th-largest area among Alaska's 149 places.
• State population share: Ruby accounts for about 0.0% of everyone in Alaska.
• National rank: Ruby is 17,546th of 19,457 places nationwide.
• Growth in Alaska: Ruby stands 101st by percentage change from 2020 to 2023, among 149 places.
• Versus Alaska: the state average change is -3.1%, while Ruby moved 4.3%.
• Density rank: Ruby is the 96th most densely settled place in Alaska.
• Density vs Alaska: Ruby's 19 people per square mile compare with a state median of 40.
• Location: the Census Gazetteer records it at 64.7233, -155.5005.
• Nearest larger cities: Galena (41 mi); Huslia (71 mi); Nulato (82 mi); Kaltag (101 mi); Tanana (106 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Koyukuk (66 mi); Hughes (98 mi).
• Within a 50-mile radius: 0 smaller Census places.
• Within 100 miles: 3 places are larger than Ruby.

The Alaska lending rules that reach Ruby

For the roughly 134 residents of Ruby, the rules below are Alaska's own; each row carries its publisher and retrieval date.

Ruby on the map

The Census Gazetteer records about 7.0 square miles of land within Ruby, with no significant water area listed. That land carries about 19 people per square mile. The state's population centre of gravity, Anchorage, is roughly 313 miles away. Within 50 miles of Ruby there are 1 larger Census places. The 100-mile radius contains 3 larger places.

How a Ruby personal loan is priced

With roughly 134 residents, Ruby 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 Ruby. Because the payment is fixed, the total cost of a Ruby loan is knowable in advance — unlike a revolving card balance.

What is available to Ruby borrowers

Ruby is a sparsely settled community of about 134 people, with 1 larger places inside a 50-mile radius. What is available to Ruby's 134 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Galena, AK about 41 miles away.

A practical checklist for Ruby borrowers

A sensible order of operations for a loan in Ruby, home to about 134 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Alaska regulator's licence list.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Ruby and the rest of Alaska is not the process but the borrower's own file, among the 134 people here.