Louisville at a glance
- Population: about 1,408, 80th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,331 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.8% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 80th of the state's 527 Census places (US Census Bureau).
- Size percentile: it is larger than about 85% of the places in Nebraska (US Census Bureau).
- Coordinates: 40.9965 / -96.1613, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Springfield, NE (8 mi); Gretna, NE (9 mi); Papillion, NE (11 mi); Ashland, NE (11 mi); La Vista, NE (14 mi) (US Census Bureau populations).
- Smaller places close by: South Bend, NE (5 mi); Cedar Creek, NE (5 mi); Manley, NE (5 mi) (US Census Bureau).
What a personal loan costs in Louisville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Louisville
Read the table as the compliance picture for a lender serving Louisville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Louisville
The steps below are worth completing first when you borrow in Louisville:
- 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.