Yutan at a glance
- Population: about 1,425, 79th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,353 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 5.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 79th largest of 527 (US Census Bureau).
- Size percentile: roughly 85% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: latitude 41.2430, longitude -96.3957 (US Census Bureau Gazetteer).
- Nearest larger cities: Valley, NE (5 mi); Wahoo, NE (12 mi); Gretna, NE (13 mi); Ashland, NE (14 mi); Fremont, NE (14 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Mead, NE (5 mi); Leshara, NE (6 mi); Waterloo, NE (6 mi) — US Census Bureau populations.
What a personal loan costs in Yutan
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Nebraska lending rules that apply in Yutan
The table lists the Nebraska rules that apply to a loan made in Yutan, 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 Yutan
Here is a short checklist for comparing personal loans in Yutan:
- 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.