Cedar Creek at a glance
- Population: 474 people, the 202nd-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 462 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.6% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 202nd in population of 527 places (US Census Bureau).
- Size percentile: about 62% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.0445, -96.1004.
- Nearest larger cities: Louisville, NE (5 mi); Springfield, NE (5 mi); Papillion, NE (7 mi); Gretna, NE (8 mi); La Vista, NE (10 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: South Bend, NE (8 mi); Manley, NE (9 mi); Murdock, NE (12 mi) (US Census Bureau).
What a personal loan costs in Cedar Creek
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Nebraska lending rules that apply in Cedar Creek
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cedar Creek
Run through this list before signing anything in Cedar Creek:
- 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.