Broadwater at a glance
- Population: the Census estimates 96 residents, ranking 419th of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 97 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 1.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: the 419th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 20% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 41.5980, -102.8525 in the US Census Bureau Gazetteer.
- Nearest larger cities: Bridgeport, NE (13 mi); Dalton, NE (14 mi); Gurley, NE (20 mi); Bayard, NE (27 mi); Oshkosh, NE (29 mi); each population is a US Census Bureau estimate.
- Smaller places close by: McGrew, NE (31 mi); Paoli, CO (71 mi); Lamar, NE (84 mi) (US Census Bureau).
What a personal loan costs in Broadwater
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Nebraska lending rules that apply in Broadwater
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Broadwater.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Broadwater
The steps below are worth completing first when you borrow in Broadwater:
- 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.