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Best Personal Loan Rates in Ruby, Alaska (AK) - March 2026

Current personal loan options available to borrowers in Ruby, Alaska include: TONGASSTONGASS2000 Tongass Ave, Ketchikan, AK, 99901 6046A+5.0 ★Texas Ratio: 0.00% offering Heat Pump Loans (Juneau & Sitka only) at 5.50% APR, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit Union1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077A+5.0 ★Texas Ratio: 0.33% offering Credit Builder Loans at 6.00% APR, First Bank Ketchikan, AKFirst Bank Ketchikan, AK331 Dock St, Ketchikan, AK, 99901A+5.0 ★Texas Ratio: 2.24% offering Improved Real Estate Loan at 7.36% APR, ADVANCIALADVANCIAL390 W 36th Ave, Anchorage, AK, 99503 5815A+5.0 ★Texas Ratio: 0.31% offering Signature at 9.90% APR, and NORTHERN SKIESNORTHERN SKIES1001 E Benson Blvd, Anchorage, AK, 99508A+5.0 ★Texas Ratio: 2.27% offering Signature at 11.35% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Ruby, Alaska can save you significantly over the life of your loan.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Ruby, Alaska.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ruby, Alaska. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 20, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Heat Pump Loans (Juneau & Sitka only)
5.50%
APR5.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Credit Builder Loans
6.00%
APR6.00%
Last UpdatedMarch 21, 2026
Details

flexible repayment

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Airplane Loans
6.99%
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As; *up to 180 months

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Improved Real Estate Loan
7.36%
APR7.36%
Last UpdatedMarch 21, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Lot Loans
7.50%
APR7.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Equity Plus Loan
7.88%
APR7.88%
Last UpdatedMarch 21, 2026
Details

As Low As

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Land Loan
7.95%
APR7.95%
Last UpdatedMarch 21, 2026
Details

As Low As

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Equity Plus Lot Loan
8.23%
APR8.23%
Last UpdatedMarch 21, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Lot Loans
8.25%
APR8.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Signature Loans
9.25%
APR9.25%
Last UpdatedMarch 21, 2026
Details

As Low As; On approval of credit, restrictions apply. Effective 5.1.2023

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
390 W 36th Ave, Anchorage, AK, 99503 5815
Signature
9.90%
APR9.90%
Last UpdatedMarch 21, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Signature Loan
10.00%
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As; *up to 60 months

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Construction Loan up to 12 months
10.72%
APR10.72%
Last UpdatedMarch 21, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Signature Loan
10.99%
APR10.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Personal Lines of Credit
11.30%
APR11.30%
Last UpdatedMarch 21, 2026
Details

As Low As; On approval of credit, restrictions apply. Effective 5.1.2023

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
Signature
11.35%
APR11.35%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months (APR may vary)

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2204 3RD ST STE 10, JBER, AK, 99506 1518
Signature
11.50%
APR11.50%
Last UpdatedMarch 21, 2026
Details

$15,000 limit

Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
1941 Abbott Rd, Anchorage, AK, 99507
Personal Loan
11.50%
APR11.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Borrow between $200 and $20,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Signature Loan
11.65%
APR11.65%
Last UpdatedMarch 21, 2026
Details

No additional details available.

TRUE NORTH
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Personal Loans
11.65%
APR11.65%
Last UpdatedMarch 21, 2026
Details

As Low As

MAC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK, 99703
Personal
11.99%
APR11.99%
Last UpdatedMarch 21, 2026
Details

As Low As

First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
331 Dock St, Ketchikan, AK, 99901
Unsecured Loan
12.72%
APR12.72%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
SMART Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

Up to 6 months / $20 Application Fee

Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
1941 Abbott Rd, Anchorage, AK, 99507
Quick Loan
24.00%
APR24.00%
Last UpdatedMarch 21, 2026
Details

Quick loans can be used for braces, sports equipment/uniforms, musical instruments, consolidation, vacations, insurance deductibles, you name it. Borrow between $200 and $2,000. The rate is a set rate for everyone who is approved. Other terms and conditions may apply.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
1941 Abbott Rd, Anchorage, AK, 99507
Personal Loan
11.50%
APR11.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Borrow between $200 and $20,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.

TRUE NORTH
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Personal Loans
11.65%
APR11.65%
Last UpdatedMarch 21, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

No debt consolidation personal loan rates found in Ruby, AK currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Signature Loans
9.25%
APR9.25%
Last UpdatedMarch 21, 2026
Details

As Low As; On approval of credit, restrictions apply. Effective 5.1.2023

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
390 W 36th Ave, Anchorage, AK, 99503 5815
Signature
9.90%
APR9.90%
Last UpdatedMarch 21, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Signature Loan
10.00%
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As; *up to 60 months

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Signature Loan
10.99%
APR10.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
Signature
11.35%
APR11.35%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months (APR may vary)

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2204 3RD ST STE 10, JBER, AK, 99506 1518
Signature
11.50%
APR11.50%
Last UpdatedMarch 21, 2026
Details

$15,000 limit

TONGASS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
Signature Loan
11.65%
APR11.65%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
440 E 36th Ave, Anchorage, AK, 99503 4172
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

No home improvement personal loan rates found in Ruby, AK currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Alaska?

Most lenders in Ruby, Alaska require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alaska often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Ruby, Alaska require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Alaska?

Yes. Debt consolidation is one of the most common uses of personal loans in Ruby, Alaska. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Ruby, Alaska?

Credit unions in Ruby, Alaska often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Ruby, Alaska?

  • TONGASS: 5.50% (Heat Pump Loans (Juneau & Sitka only))
  • Alaska Air Group Federal Credit Union: 6.00% (Credit Builder Loans)
  • First Bank Ketchikan, AK: 7.36% (Improved Real Estate Loan)
  • ADVANCIAL: 9.90% (Signature)
  • NORTHERN SKIES: 11.35% (Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ruby, Alaska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026.