Boys Town at a glance
- Population: the Census estimates 607 residents, ranking 172nd of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 410 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 48.0% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 172nd of the state's 527 Census places (US Census Bureau).
- Size percentile: roughly 67% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.2560, -96.1284.
- Nearest larger cities (within 120 miles): Omaha, NE (4 mi); La Vista, NE (6 mi); Ralston, NE (6 mi); Bennington, NE (8 mi); Papillion, NE (8 mi) (US Census Bureau populations).
- Nearest smaller places: Washington, NE (11 mi); Cedar Creek, NE (15 mi); Kennard, NE (16 mi) (US Census Bureau estimates).
What a personal loan costs in Boys Town
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Boys Town
The table lists the Nebraska rules that apply to a loan made in Boys Town, each with the regulator that published it.
| 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 Boys Town
Run through this list before signing anything in Boys Town:
- 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.