Personal loans in Wasilla, AK

Wasilla counts about 9,945 people, and what is genuinely local about borrowing here is limited — Alaska law does the governing. Compare APR, not the interest rate, because the APR folds in most fees on a Wasilla loan.

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.

By population, Wasilla sits at 4th in Alaska, with an estimated 9,945 residents. Lenders active in Wasilla report to a Alaska supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 9.8% growth in Wasilla. The next larger city is Anchorage, AK about 29 miles away.

Local context for Wasilla

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

Where Wasilla sits in Alaska

Set beside Alaska's 149 places, Wasilla ranks 4th by population and holds about 2.0% of the state total. On the 2020-to-2023 trend, Wasilla stands 1st among Alaska's 149 places — roughly the 99th percentile. At about 803 people per square mile, Wasilla is the 9th most densely settled place in Alaska. The population moved by about 888 people between 2020 and 2023, a 9.8% shift.

What shapes a Wasilla personal loan

Most loans made to Wasilla's 9,945 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Wasilla's rank of 4th in Alaska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Wasilla decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Wasilla

At roughly 803 people per square mile, Wasilla is moderately settled; 1 larger places lie within 50 miles. A Alaska licence lets a lender serve Wasilla without a local office, so branch density does not change what its 9,945 residents are offered. The nearest bigger place is Anchorage, AK about 29 miles away.

Land, water and location for Wasilla

Wasilla's land area is about 12.4 square miles; a further 0.75 square miles is water. That land carries about 803 people per square mile. Anchorage, the largest place in Alaska, is about 29 miles from Wasilla. Counting outward 50 miles, 1 larger communities surround Wasilla. By land area it ranks 58th of 149 Alaska places.

The Alaska lending rules that reach Wasilla

For the roughly 9,945 residents of Wasilla, the rules below are Alaska's own; each row carries its publisher and retrieval date.

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
Payday lending statusPermitted — 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
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

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 Wasilla 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 Wasilla is the same as anywhere in Alaska.
What loan size can I expect in Wasilla?
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 Wasilla?
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 Wasilla 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

Related