Personal loans in Koyukuk, AK

A lender that serves Koyukuk operates under Alaska lending statutes and a Alaska supervisor. A lender serving Koyukuk holds a Alaska licence and answers to a Alaska regulator; no city office is involved for its 94 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.

The Census counts 94 people in Koyukuk, the 126th-largest figure among Alaska's 149 places. Koyukuk lost roughly 4.1% of its population across the 2020-to-2023 comparison. Read the disclosure for an origination fee and any prepayment penalty before signing in Koyukuk. The closest larger city is Nulato, AK about 22 miles away.

What the Census records for Koyukuk

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

Koyukuk: area, density and distance

The Census Gazetteer records 5.7 square miles of land and 0.10 square miles of water within Koyukuk. The resulting density is about 16 people per square mile. The state's population centre of gravity, Anchorage, is roughly 368 miles away. Counting outward 50 miles, 2 larger communities surround Koyukuk. The 100-mile radius contains 5 larger places.

Steps to take before a Koyukuk loan

A sensible order of operations for a loan in Koyukuk, home to about 94 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Look the lender up in the Alaska regulator's licence records before you sign.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Test the payment against your current bills before you commit.

In Koyukuk as elsewhere in Alaska, the written terms — not the advertisement — are what count for its 94 residents.

How Alaska law applies in Koyukuk

Alaska has no separate rate rule for Koyukuk; the sourced rows below are what reach every lender that serves its 94 people.

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
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
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

Koyukuk's place among Alaska's 149 places

Within Alaska, Koyukuk holds roughly 0.0% of all residents, the 126th-largest share among 149 places. Its 2020-to-2023 change ranks 85th of 149 Alaska places, putting it near the 43th percentile for growth. At about 16 people per square mile, Koyukuk is the 108th most densely settled place in Alaska. The population moved by about 4 people between 2020 and 2023, a 4.1% shift.

What shapes a Koyukuk personal loan

In Koyukuk, a small community of about 94, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Koyukuk's 94 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Koyukuk decides the split between a comfortable payment and the total interest you pay.

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