Goehner at a glance
- Population: 175 — 348th in Nebraska, which has 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 181 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 3.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 348th-largest of 527 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 34% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: 40.8327 / -97.2196, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Beaver Crossing, NE (5 mi); Utica, NE (8 mi); Seward, NE (8 mi); Milford, NE (10 mi); Staplehurst, NE (10 mi) (US Census Bureau populations).
- Nearest smaller towns: Cordova, NE (11 mi); Bee, NE (15 mi); Thayer, NE (17 mi) — US Census Bureau populations.
What a personal loan costs in Goehner
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Nebraska lending rules that apply in Goehner
The Nebraska rate caps and licensing rules that reach Goehner are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Goehner
These steps are the ones that most affect the offer you receive in Goehner:
- 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.