Washington at a glance
- Population: 131, the 383rd-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: 130 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 383rd of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 27% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: 41.3976 latitude, -96.2075 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Bennington, NE (3 mi); Kennard, NE (5 mi); Arlington, NE (9 mi); Waterloo, NE (9 mi); Valley, NE (10 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Leshara, NE (12 mi); Winslow, NE (21 mi); Colon, NE (22 mi) (US Census Bureau).
What a personal loan costs in Washington
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Washington
Read the table as the compliance picture for a lender serving Washington: 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 Washington
Before you commit to a personal loan in Washington, 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.