Fairfield at a glance
- Population: 333 residents, the 243rd-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: 332 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 243rd largest of 527 (US Census Bureau).
- Size percentile: about 54% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 40.4323, -98.1032 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Clay Center, NE (7 mi); Edgar, NE (8 mi); Harvard, NE (13 mi); Nelson, NE (16 mi); Sutton, NE (18 mi); US Census Bureau population estimates.
- Nearest smaller towns: Deweese, NE (6 mi); Glenvil, NE (9 mi); Lawrence, NE (13 mi) (US Census Bureau).
What a personal loan costs in Fairfield
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Fairfield
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Fairfield.
| 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 Fairfield
The steps below are worth completing first when you borrow in Fairfield:
- 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.