Personal loans in Utqiaġvik, AK

Utqiaġvik lost roughly 4.7% of its population across the 2020-to-2023 comparison. Use the calculator on this page to price an amount and term before you commit in Utqiaġvik. State law, not city hall, decides what a lender may do to Utqiaġvik's roughly 4,694 residents, and a state regulator supervises it. No larger city sits within 120 miles of Utqiaġvik.

Utqiaġvik by the numbers

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

• Population: 4,694 — Utqiaġvik ranks 12th of 149 communities in Alaska (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 4.7% across the 2020-to-2023 comparison.
• People gained or lost: about 231 fewer since the 2020 base.
• Size percentile: with 4,694 residents, Utqiaġvik is larger than about 92% of Alaska's Census places.
• Density: roughly 250 residents per square mile, spread over 18.8 sq mi of land.
• By land area: Utqiaġvik ranks 46th among Alaska's 149 places, at 18.8 sq mi.
• Water area: Utqiaġvik has 2.70 square miles of water, ranking 57th of 149 places in Alaska.
• State share: roughly 1.0% of Alaska's residents live in Utqiaġvik (4,694 people).
• National rank: Utqiaġvik is 5,007th of 19,457 places nationwide.
• Growth rank: Utqiaġvik's 2020-to-2023 change ranks 116th of 149 places in Alaska.
• Against the state trend: Utqiaġvik's 4.7% change compares with a Alaska average of -3.1% across its 149 places.
• Density in Alaska: Utqiaġvik ranks 27th by people per square mile.
• Density in context: Utqiaġvik's 250 people per square mile sit against a Alaska median of 40.
• Location: mapped by the US Census Bureau at 71.2644, -156.7537.
• Nearest smaller towns: Atqasuk (56 mi); Wainwright (84 mi).
• Within a 50-mile radius: 0 smaller Census places.
• At 100 miles: 0 larger Census places fall inside that radius.

How Utqiaġvik compares across Alaska

Within Alaska, Utqiaġvik holds roughly 1.0% of all residents, the 12th-largest share among 149 places. Its 2020-to-2023 change ranks 116th of 149 Alaska places, putting it near the 22th percentile for growth. Its roughly 250 residents per square mile place it 27th among Alaska's places. By land area, its 18.8 square miles rank 46th of 149 places in Alaska.

How a Utqiaġvik personal loan is priced

In Utqiaġvik, a small community of about 4,694, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Utqiaġvik loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Utqiaġvik decides the split between a comfortable payment and the total interest you pay.

What is available to Utqiaġvik borrowers

Utqiaġvik is lightly settled, with about 250 people per square mile and 0 larger places within 50 miles. A Alaska licence lets a lender serve Utqiaġvik without a local office, so branch density does not change what its 4,694 residents are offered.

How Alaska law applies in Utqiaġvik

Every row below records a Alaska rule, its publisher and its retrieval date — the same rules a Utqiaġvik lender must follow.

A practical checklist for Utqiaġvik borrowers

Complete these steps first when you borrow in Utqiaġvik (4,694 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Alaska regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Alaska; what changes is your credit file, not the fact that Utqiaġvik holds 4,694 people.