Filley at a glance
- Population: a Census-estimated 121, placing it 392nd among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 123 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 392nd of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 26% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 40.2852, -96.5339 by the US Census Bureau Gazetteer.
- Nearest larger cities: Beatrice, NE (11 mi); Adams, NE (12 mi); Pickrell, NE (12 mi); Blue Springs, NE (12 mi); Wymore, NE (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Virginia, NE (3 mi); Crab Orchard, NE (7 mi); Lewiston, NE (7 mi) (Census populations).
What a personal loan costs in Filley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Filley
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Filley
The steps below are worth completing first when you borrow in Filley:
- 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.