Clarks at a glance
- Population: roughly 341 people; 242nd of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 346 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 1.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 242nd in population of 527 places (US Census Bureau).
- Size percentile: it exceeds roughly 54% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.2163, -97.8395.
- Nearest larger cities within 120 miles: Polk, NE (10 mi); Central City, NE (11 mi); Fullerton, NE (12 mi); Stromsburg, NE (15 mi); Osceola, NE (15 mi) (US Census Bureau).
- Smaller places nearby: Hordville, NE (10 mi); Silver Creek, NE (11 mi); Marquette, NE (17 mi), per US Census Bureau estimates.
What a personal loan costs in Clarks
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Clarks
The Nebraska rate caps and licensing rules that reach Clarks are listed below, each with its source and retrieval date.
| 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 Clarks
Here is a short checklist for comparing personal loans in Clarks:
- 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.