Waterbury at a glance
- Population: 72 (US Census Bureau, Vintage 2023 subcounty estimate), the 453rd-largest of 527 places in Nebraska.
- 2020 Census base: 74 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 453rd-largest of 527 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 14% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: latitude 42.4572, longitude -96.7356 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Martinsburg, NE (6 mi); Allen, NE (6 mi); Ponca, NE (8 mi); Jackson, NE (8 mi); Hubbard, NE (9 mi) (US Census Bureau populations).
- Nearest smaller communities: Maskell, NE (20 mi); Obert, NE (22 mi); Sholes, NE (30 mi), each a US Census place.
What a personal loan costs in Waterbury
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Waterbury
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Waterbury.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Waterbury
A few practical steps will make the process in Waterbury 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.