Personal loans in St. Mary's, AK

Personal loans in St. Mary's are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 577 population. Consumer lending that reaches St.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Mary's's 577 residents is governed by Alaska statute; no city ordinance changes it. The Census counts 577 people in St. Mary's, the 54th-largest figure among Alaska's 149 places. Begin with the payment, then weigh APR and total interest across the lenders that reach St. Mary's's 577 residents. Population in St. Mary's dropped about 4.2% over the three years from 2020 to 2023. A larger market lies at Pilot Station, AK about 14 miles away.

Where St. Mary's stands

Read the local figures below as context; read the sourced Alaska table as the rulebook a lender here must follow.

St. Mary's on the map

Inside St. Mary's's boundaries lie roughly 44.6 square miles of land and 6.96 square miles of water. With 577 residents, the land area yields roughly 13 people per square mile. The largest place in Alaska, Anchorage, lies about 462 miles away. St. Mary's has 2 larger places within a 50-mile radius. By land area it ranks 15th of 149 Alaska places.

Getting a loan in St. Mary's

St. Mary's is a sparsely settled community of about 577 people, with 2 larger places inside a 50-mile radius. Whether St. Mary's has a local branch or not, a Alaska-licensed lender can serve its 577 people online on the same terms. The nearest larger city, Pilot Station, AK about 14 miles away.

The state rulebook for St. Mary's

Alaska has no separate rate rule for St. Mary's; the sourced rows below are what reach every lender that serves its 577 people.

RuleDetailSource
State lending regulatorAlaska 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 licensingLicense 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

What a St. Mary's borrower is actually offered

St. Mary's is a small community of about 577 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving St. Mary's's 577 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a St. Mary's loan but raises total interest, so the smallest payment is not the cheapest loan.

St. Mary's in state context

St. Mary's is the 54th-largest of 149 Census places in Alaska and contains about 0.1% of the state's people. For population change between 2020 and 2023, St. Mary's ranks 88th of 149 in Alaska (about the 41th percentile). By density, at about 13 people per square mile, it ranks 113th in Alaska. Within 50 miles sit 1 smaller Census places, alongside the 2 that are larger.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in St. Mary's 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 St. Mary's is the same as anywhere in Alaska.
What loan size can I expect in St. Mary's?
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 St. Mary's?
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 St. Mary's 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.

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