Ainsworth at a glance
- Population: a Census-estimated 1,590, placing it 69th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,613 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 1.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: the 69th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 87% of Nebraska places in population terms (US Census Bureau).
- Coordinates: mapped at 42.5484, -99.8575 by the US Census Bureau Gazetteer.
- Nearest larger cities: Valentine, NE (42 mi); Winner, SD (57 mi); O'Neill, NE (62 mi); Broken Bow, NE (80 mi); Ord, NE (81 mi), each a US Census place with its estimated population.
- Smaller places nearby: Long Pine, NE (8 mi); Johnstown, NE (10 mi); Bassett, NE (16 mi), per US Census Bureau estimates.
What a personal loan costs in Ainsworth
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Nebraska lending rules that apply in Ainsworth
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Ainsworth.
| Rule | Detail | Source |
|---|---|---|
| Delayed deposit services (payday) licensing administration | NDBF publishes delayed deposit services license guidelines, statutes, and a licensed-business search Source says: "Delayed Deposit Services (Payday Lenders)" | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum on agreed interest (unpaid principal balance) Source says: "any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid" | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Payday lending status | Capped at 36% APR (Initiative 428, 2020); violating transactions are void Source says: "A licensee shall not impose an annual percentage rate greater than thirty-six percent in connection with a delayed deposit transaction." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Delayed Deposit Services Licensing Act (Neb. Rev. Stat. 45-901 to 45-931) Source says: "Sections 45-901 to 45-931 shall be known and may be cited as the Delayed Deposit Services Licensing Act." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| State lending regulator | Nebraska Department of Banking and Finance (NDBF) Source says: "The Nebraska Department of Banking and Finance is a state agency under the direct supervision of the Governor." | Nebraska Department of Banking and Finance as of 2026-09-16 |
How to compare offers in Ainsworth
Before you share your details with a lender in Ainsworth:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Nebraska using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.