Personal loans in Cold Bay, AK

The closest larger place is King Cove, AK about 20 miles away. Cold Bay added about 2.0% to its population between the 2020 base and the 2023 estimate. For the 52 people in Cold Bay, Alaska runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Cold Bay's 52 residents.

Cold Bay by the numbers

Only a few things actually differ by place — population, area, location, and the Alaska rules a lender must follow — and they are below.

• Population: 52 residents; Cold Bay is the 143rd-largest of 149 places in Alaska (US Census Bureau, Vintage 2023).
• Population trend: About 2.0% above the 2020 Census base.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: bigger than about 4% of the places in Alaska, with 52 residents in Cold Bay.
• Density: roughly 1 residents per square mile, spread over 53.4 sq mi of land.
• Land area: Cold Bay covers 53.4 square miles, the 11th-largest area among Alaska's 149 places.
• Water area rank: Cold Bay ranks 23rd among Alaska's 149 places, with 14.64 sq mi.
• State share: roughly 0.0% of Alaska's residents live in Cold Bay (52 people).
• Nationally: Cold Bay is the 18,945th-largest of 19,457 Census places in the dataset.
• Growth rank: Cold Bay's 2020-to-2023 change ranks 13th of 149 places in Alaska.
• Against the state trend: Cold Bay's 2.0% change compares with a Alaska average of -3.1% across its 149 places.
• Density in Alaska: Cold Bay ranks 148th by people per square mile.
• Density vs Alaska: Cold Bay's 1 people per square mile compare with a state median of 40.
• Location: the Census Gazetteer records it at 55.2155, -162.7755.
• Nearest larger cities: King Cove (20 mi); False Pass (32 mi); Sand Point (90 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Within a 50-mile radius: 0 smaller Census places.
• Larger places within 100 miles: 3.

How lenders reach Cold Bay

At roughly 1 people per square mile, Cold Bay is sparsely settled; 2 larger places lie within 50 miles. What is available to Cold Bay's 52 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. The nearest larger city, King Cove, AK about 20 miles away.

What a Cold Bay borrower is actually offered

Cold Bay is a small community of about 52 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Cold Bay can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Cold Bay loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Cold Bay

For Cold Bay's roughly 52 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Alaska regulator's licence records before you sign.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Cold Bay and the rest of Alaska is not the process but the borrower's own file, among the 52 people here.

Alaska rules behind a Cold Bay personal loan

Read the table as a lender's compliance picture for Cold Bay: the rule, the sourced figure, the publisher and the date.

Cold Bay on the map

Inside Cold Bay's boundaries lie roughly 53.4 square miles of land and 14.64 square miles of water. Spread across it are roughly 1 residents per square mile. For the state's biggest city, Anchorage, the distance is roughly 639 miles. Counting outward 50 miles, 2 larger communities surround Cold Bay. By land area it ranks 11th of 149 Alaska places.