Hickman at a glance
- Population: 3,161 — 47th in Nebraska, which has 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,602 (US Census Bureau).
- 2020 to 2023 change: roughly 21.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 47th of the state's 527 Census places (US Census Bureau).
- Size percentile: roughly 91% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.6259, -96.6280.
- Nearest larger cities: Lincoln, NE (13 mi); Crete, NE (17 mi); Waverly, NE (20 mi); Beatrice, NE (25 mi); Seward, NE (31 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Roca, NE (3 mi); Sprague, NE (6 mi); Firth, NE (6 mi) — US Census Bureau populations.
What a personal loan costs in Hickman
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.
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 Hickman
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Hickman.
| 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 Hickman
A few practical steps will make the process in Hickman less costly:
- 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.