Nickerson at a glance
- Population: a Census-estimated 299, placing it 260th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 311 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 3.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 260th by size among 527 communities (US Census Bureau).
- Size percentile: about 51% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 41.5347, -96.4708 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Fremont, NE (7 mi); Hooper, NE (7 mi); Arlington, NE (8 mi); Inglewood, NE (8 mi); Cedar Bluffs, NE (12 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Winslow, NE (5 mi); Uehling, NE (14 mi); Leshara, NE (14 mi) (US Census Bureau).
What a personal loan costs in Nickerson
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Nebraska lending rules that apply in Nickerson
The table lists the Nebraska rules that apply to a loan made in Nickerson, each with the regulator that published it.
| 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 Nickerson
The steps below are worth completing first when you borrow in Nickerson:
- 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.