Personal loans in Gustavus, AK
Every figure below is Alaska's own, applied to Gustavus's 612 residents, with the publisher and retrieval date attached. At about 612 residents, Gustavus is larger than roughly 70% of the places in Alaska.
A personal loan in Gustavus is priced from your credit file and income, not from the fact that the city holds 612 people. Gustavus shed about 6.7% of its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Gustavus. The nearest larger metro is Hoonah, AK about 24 miles away.
Gustavus: population, trend and location
Here is the sourced Census picture for Gustavus, plus the Alaska lending rules that apply to a loan taken out here.
- Population: 612 residents; Gustavus is the 45th-largest of 149 places in Alaska (US Census Bureau, Vintage 2023).
- Population trend: Down about 6.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 44 residents lost between 2020 and 2023.
- Size percentile: about 70% of Alaska communities are smaller than Gustavus (612 residents).
- Density: roughly 17 residents per square mile, spread over 36.4 sq mi of land.
- Land area rank: Gustavus's 36.4 square miles rank 22nd of 149 places in Alaska.
- Water area rank: Gustavus ranks 19th among Alaska's 149 places, with 20.61 sq mi.
- State share: roughly 0.1% of Alaska's residents live in Gustavus (612 people).
- National rank: Gustavus sits 12,342nd by population among the 19,457 places in this dataset.
- Growth in Alaska: Gustavus stands 137th by percentage change from 2020 to 2023, among 149 places.
- State comparison: Alaska's places average -3.1% for 2020-to-2023, against Gustavus's 6.7%.
- Density rank: Gustavus places 107th among Alaska's places by people per square mile.
- Against the state median: Gustavus runs about 17 residents per square mile, where the Alaska median is 40.
- Location: 58.4347, -135.7282 (Census Gazetteer coordinates).
- Nearest larger cities: Hoonah (24 mi); Juneau city and (56 mi); Sitka city and (87 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Pelican (37 mi); Tenakee Springs (50 mi); Angoon (83 mi).
- Smaller places within 50 miles: 2 of them.
- At 100 miles: 3 larger Census places fall inside that radius.
Gustavus's place among Alaska's 149 places
Against Alaska's other places, Gustavus accounts for about 0.1% of the state's population and ranks 45th of 149 by size. On the 2020-to-2023 trend, Gustavus stands 137th among Alaska's 149 places — roughly the 8th percentile. By density, at about 17 people per square mile, it ranks 107th in Alaska. Within 50 miles sit 2 smaller Census places, alongside the 1 that are larger.
A pre-application checklist for Gustavus
Before you apply in Gustavus, a community of about 612, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Alaska regulator's licence list.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
What differs between Gustavus and the rest of Alaska is not the process but the borrower's own file, among the 612 people here.
Land, water and location for Gustavus
Inside Gustavus's boundaries lie roughly 36.4 square miles of land and 20.61 square miles of water. Spread across it are roughly 17 residents per square mile. The state's population centre of gravity, Anchorage, is roughly 507 miles away. Gustavus has 1 larger places within a 50-mile radius. The 100-mile radius contains 3 larger places.
How Alaska law applies in Gustavus
The rows below set out what a licensed lender must follow in Alaska, and so for Gustavus's roughly 612 residents.
| 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 |
Getting a loan in Gustavus
With about 17 residents per square mile, Gustavus is sparsely settled, and 1 larger Census places sit within 50 miles. Distance to a branch rarely matters for Gustavus's 612 residents: the application is online and the price follows your credit file. The nearest larger city, Hoonah, AK about 24 miles away.
Common questions
What are my options in Gustavus if my credit is poor?
What loan size can I expect in Gustavus?
Do I have to pledge anything to borrow in Gustavus?
Does comparing loans in Gustavus cost me credit score points?
Nearby places
- Hoonah, AK — population 948
- Pelican, AK — population 92
- Tenakee Springs, AK — population 111
- Sitka city and, AK — population 8,282
- Juneau city and, AK — population 31,555
- Angoon, AK — population 335
- Kake, AK — population 537
- Port Alexander, AK — population 73