Richland at a glance
- Population: the Census estimates 73 residents, ranking 449th of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 74 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 1.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 449th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 15% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: mapped at 41.4369, -97.2149 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Bellwood, NE (7 mi); Columbus, NE (7 mi); Schuyler, NE (8 mi); Octavia, NE (10 mi); David City, NE (13 mi) (US Census Bureau populations).
- Nearest smaller communities: Abie, NE (15 mi); Garrison, NE (18 mi); Tarnov, NE (19 mi) (Census populations).
What a personal loan costs in Richland
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Nebraska lending rules that apply in Richland
The Nebraska rate caps and licensing rules that reach Richland are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Richland
These steps are the ones that most affect the offer you receive in Richland:
- 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.