NE state reference
Nebraska lending rules
Nebraska has 527 Census places covered on Personalloaned, with a combined estimated population of 1,539,066. Personal-loan terms in Nebraska are set by licensed lenders under state law; the sourced rules below apply to every borrower in the state.
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- Usury cap 16% per annum maximum on agreed interest (unpaid principal balance)
- Payday lending Capped at 36% APR (Initiative 428, 2020); violating transactions are void
- State regulator Nebraska Department of Banking and Finance (NDBF)
Sourced rules
Key rules for borrowers in Nebraska
| 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 |
Cities in Nebraska
We cover 527 Census places in Nebraska. The count and the combined population figures are summed from the US Census Bureau's Vintage 2023 subcounty population estimates (retrieved 2026-09-17).
Common questions