Personal loans in Kake, AK

The roughly 537 people who live in Kake borrow under Alaska rules; city hall sets no personal-loan rate. By population, Kake sits at 56th in Alaska, with an estimated 537 residents.

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.

Kake shed about 1.3% of its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Kake lender. The closest larger place is Sitka city and, AK about 57 miles away. A single loan can carry different costs on either side of a state line, and Kake sits on the Alaska side of that line.

The Kake data picture

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

Alaska consumer-lending rules applied in Kake

When Alaska does not publish a figure, the row links to the source instead of inventing a number; Kake is bound by the same rules.

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

The anatomy of a Kake personal loan

In Kake, a small community of about 537, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Kake's rank of 56th in Alaska: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Kake loan is knowable in advance — unlike a revolving card balance.

The Kake borrowing checklist

Complete these steps first when you borrow in Kake (537 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Alaska licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

The process is identical across Alaska; what changes is your credit file, not the fact that Kake holds 537 people.

Kake's place among Alaska's 149 places

Among Alaska's 149 places, Kake sits at 56th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Kake ranks 28th of 149 in Alaska (about the 81th percentile). Its roughly 70 residents per square mile place it 64th among Alaska's places. Within 50 miles sit 2 smaller Census places, alongside the 0 that are larger.

The geography behind Kake

Kake covers about 7.7 square miles of land, with 5.83 square miles of water inside its boundaries (Census Gazetteer). With 537 residents, the land area yields roughly 70 people per square mile. For the state's biggest city, Anchorage, the distance is roughly 616 miles. Kake has 0 larger places within a 50-mile radius. By land area it ranks 75th of 149 Alaska places.

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

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