Nemaha at a glance
- Population: roughly 115 people; 397th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 114 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 0.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 397th out of 527 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 25% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: it sits at 40.3388, -95.6760 in the US Census Bureau Gazetteer.
- Nearest larger cities: Brownville, NE (4 mi); Shubert, NE (7 mi); Stella, NE (9 mi); Rock Port, MO (9 mi); Auburn, NE (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Barada, NE (10 mi); Watson, MO (10 mi); Julian, NE (16 mi) (US Census Bureau).
What a personal loan costs in Nemaha
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Nemaha
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Nemaha.
| 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 Nemaha
Before you commit to a personal loan in Nemaha, work through these steps:
- 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.