Shubert at a glance
- Population: about 156, 361st by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 161 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 3.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 361st in population of 527 places (US Census Bureau).
- Size percentile: it is larger than about 31% of the places in Nebraska (US Census Bureau).
- Coordinates: latitude 40.2359, longitude -95.6836 (US Census Bureau Gazetteer).
- Nearest larger cities: Verdon, NE (6 mi); Falls City, NE (13 mi); Auburn, NE (14 mi); Rock Port, MO (14 mi); Humboldt, NE (15 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Stella, NE (5 mi); Barada, NE (6 mi); Nemaha, NE (7 mi) (US Census Bureau).
What a personal loan costs in Shubert
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Shubert
The Nebraska rate caps and licensing rules that reach Shubert are listed below, each with its source and retrieval 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 Shubert
A few practical steps will make the process in Shubert less costly:
- 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.