Liberty at a glance
- Population: the Census estimates 33 residents, ranking 503rd of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 34 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 2.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 503rd of the state's 527 Census places (US Census Bureau).
- Size percentile: about 5% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: 40.0857, -96.4831 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Barneston, NE (5 mi); Burchard, NE (8 mi); Summerfield, KS (9 mi); Wymore, NE (10 mi); Blue Springs, NE (10 mi); US Census Bureau population estimates.
- Smaller places close by: Hollenberg, KS (28 mi); Hamlin, KS (47 mi); Barada, NE (49 mi) (US Census Bureau).
What a personal loan costs in Liberty
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Nebraska lending rules that apply in Liberty
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Liberty
The order below is a sensible way to approach a loan in Liberty:
- 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.