Personal loans in Gambell, AK

Gambell is home to roughly 620 people and stands 44th by size out of 149 Census places in Alaska. The trend for Gambell between 2020 and 2023 is downward by roughly 3.7%.

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.

Gambell, Alaska — home to about 620 people — is a small community, so the terms you are offered follow Alaska law rather than any local rule. To lend to Gambell's 620 residents, a company must hold a Alaska licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gambell's 620 residents are no exception. The next larger city is Savoonga, AK about 39 miles away.

Borrowing in Gambell: the local picture

Here is the sourced Census picture for Gambell, plus the Alaska lending rules that apply to a loan taken out here.

Lender access in Gambell

Gambell is a sparsely settled community of about 620 people, with 1 larger places inside a 50-mile radius. What is available to Gambell's 620 borrowers is set by Alaska licensing and your own credit, not by how many branches are nearby. The nearest larger city, Savoonga, AK about 39 miles away.

Where Gambell sits

The Census Gazetteer records 10.5 square miles of land and 17.91 square miles of water within Gambell. That land carries about 59 people per square mile. The largest place in Alaska, Anchorage, lies about 734 miles away. Gambell has 1 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

What a Gambell borrower is actually offered

With roughly 620 residents, Gambell is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Gambell. The term you choose in Gambell decides the split between a comfortable payment and the total interest you pay.

Alaska consumer-lending rules applied in Gambell

For the roughly 620 residents of Gambell, 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
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

Gambell in state context

Among Alaska's 149 places, Gambell sits at 44th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Gambell ranks 77th of 149 in Alaska (about the 48th percentile). By density, at about 59 people per square mile, it ranks 68th in Alaska. The population moved by about 24 people between 2020 and 2023, a 3.7% shift.

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