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Personal loans in Bethel, AK

For a borrower among the roughly 6,292 residents of Bethel, a personal loan is a tool whose cost turns on the terms, not the address. Pull your credit reports and line up at least three offers before you apply from Bethel. Roughly 6,292 residents live in Bethel, the 9th-largest community in Alaska. State law, not city hall, decides what a lender may do to Bethel's roughly 6,292 residents, and a state regulator supervises it. Census figures put the 2020-to-2023 decrease in Bethel at about 0.5%. No larger city falls within 120 miles of Bethel.

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

Compare loan offers Run the numbers first

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.

What the Census records for Bethel

The figures below are Bethel's own — Census population, land area and coordinates — followed by the Alaska rules.

Bethel on the map

Bethel covers about 45.1 square miles of land, with 5.04 square miles of water inside its boundaries (Census Gazetteer). That land carries about 140 people per square mile. The largest place in Alaska, Anchorage, lies about 419 miles away. Bethel has 0 larger places within a 50-mile radius. By land area it ranks 14th of 149 Alaska places.

How a Bethel personal loan is priced

In Bethel, a small town of about 6,292, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bethel. Because the payment is fixed, the total cost of a Bethel loan is knowable in advance — unlike a revolving card balance.

How Bethel compares across Alaska

Bethel is the 9th-largest of 149 Census places in Alaska and contains about 1.3% of the state's people. For population change between 2020 and 2023, Bethel ranks 23rd of 149 in Alaska (about the 85th percentile). Its roughly 140 residents per square mile place it 47th among Alaska's places. Between 2020 and 2023 the count changed by roughly 29 residents.

How Alaska law applies in Bethel

The rows below set out what a licensed lender must follow in Alaska, and so for Bethel's roughly 6,292 residents.

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
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 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

Lender access in Bethel

Bethel is a lightly settled community of about 6,292 people, with 0 larger places inside a 50-mile radius. Lenders licensed in Alaska reach Bethel's 6,292 residents online, so the nearest branch is not what sets your APR.

Compare personal loan offers Run the numbers first

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