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.
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.
- Population: about 577, ranked 54th of 149 places in Alaska (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 4.2%.
- Absolute change: 25 residents lost between 2020 and 2023.
- Size percentile: roughly 64% of Alaska places rank below St. Mary's.
- Density: roughly 13 residents per square mile, spread over 44.6 sq mi of land.
- By land area: St. Mary's ranks 15th among Alaska's 149 places, at 44.6 sq mi.
- Water: St. Mary's holds about 6.96 square miles, the 33rd-largest water area in Alaska.
- Share of state population: St. Mary's's 577 residents are about 0.1% of Alaska.
- Nationally: St. Mary's is the 12,599th-largest of 19,457 Census places in the dataset.
- Growth rank: St. Mary's ranks 88th among Alaska's 149 places for the 2020-to-2023 change.
- Versus Alaska: the state average change is -3.1%, while St. Mary's moved 4.2%.
- Density in Alaska: St. Mary's ranks 113th by people per square mile.
- Density in context: St. Mary's's 13 people per square mile sit against a Alaska median of 40.
- Location: 62.0628, -163.2443 (Census Gazetteer coordinates).
- Nearest larger cities: Pilot Station (14 mi); Mountain Village (15 mi); Alakanuk (63 mi); Emmonak (64 mi); Kotlik (67 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Marshall (41 mi); Nunam Iqua (61 mi); Russian Mission (64 mi).
- Smaller places within 50 miles: 1 of them.
- Larger places within 100 miles: 9.
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.
| 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 |
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.
Common questions
What are my options in St. Mary's if my credit is poor?
What loan size can I expect in St. Mary's?
Do I have to pledge anything to borrow in St. Mary's?
Does comparing loans in St. Mary's cost me credit score points?
Nearby places
- Pilot Station, AK — population 592
- Mountain Village, AK — population 594
- Kotlik, AK — population 628
- Marshall, AK — population 471
- Nunapitchuk, AK — population 580
- Emmonak, AK — population 787
- Alakanuk, AK — population 723
- Nunam Iqua, AK — population 209