Personal loans in Nebraska
Consumer lending in Nebraska is regulated by the Nebraska Department of Banking and Finance. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Nebraska
| Payday lending | Permitted and regulated — maximum loan amount: No licensee shall at any one time hold from any one maker a check or checks in an aggregate face amount of more than $500; maximum loan term: Not to exceed 34 days. Finance charges: (1) A licensee shall not impose an annual percentage rate greater than 36% in connection with a delayed deposit transaction. Any delayed deposit transaction made in violation of this section is void, and the licensee making such delayed deposit transaction has no right to collect, receive, or retain any principal, interest, fees, or any other charges in connection with such delayed deposit transaction. (2) The fees set forth in this section shall not be charged to individuals on active-duty military or their spouses or dependents in an amount that exceeds what is allowed under 10 U.S.C. 987, as such section existed on Jan. 1, 2018Source: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Neb. Rev. Stat. §§ 45-1001 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 16% for a written contract (R.R.S. Neb. § 45-101.03); 6 % for loan or forbearance of money, goods or things (R.R.S. Neb. § 45-102). Finance rates and fees for licensed lenders: 24% per annum on the portion not exceeding $1,000 21% per annum on the remaining portion. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Nebraska are licensed and supervised by the Nebraska Department of Banking and Finance.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Nebraska Attorney General's Office. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Nebraska Attorney General's Office · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Nebraska Department of Banking and Finance; consumers can file complaints with the Nebraska Department of Banking and Finance or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
Calculate your loan
Use the personal loan calculator to estimate your monthly payment, or check your debt-to-income ratio to see how a lender is likely to view your application.
Cities in Nebraska
OmahaLincolnBellevueGrand IslandKearneyFremontHastingsNorfolkColumbusPapillionNorth PlatteLa VistaScottsbluffSouth Sioux CityBeatriceChalcoLexingtonGeringAllianceYorkBlairSewardMcCookCreteNebraska CityPlattsmouthSchuylerSidneyRalstonWayneHoldregeChadronOffutt AFBGretnaOgallalaWahooAuroraWaverlyFalls CityCozadFairburyO'NeillBroken BowWest PointGothenburgAuburnAshlandCentral CityMindenValleyDavid CityDakota CityValentineHickmanMilfordSt. PaulKimballBenningtonImperialGenevaOrdWilberMadisonPierceGibbonTekamahMitchellSyracuseTecumsehStantonSuperiorAlbionGordonWoodland ParkNelighBridgeportFullertonOaklandSpringfieldHebronHartingtonLouisvilleNorth BendGrantArlingtonSuttonWood RiverRavennaAtkinsonSutherlandAinsworthWymoreBattle CreekSheltonPlainviewWakefieldWisnerCerescoYutanAlmaBayardCambridgeElm CreekPenderBennetFriendCairoCreightonFort CalhounHarvardBurwellWeeping WaterUticaRushvilleEagleRandolphTildenHooperWaterlooStromsburgRed CloudArapahoe
Recommended reading
- 1000 Dollar Loan Bad Credit
- 1500 Loan No Credit Check
- 2nd Chance Loans Bad Credit
- 300 Loan Bad Credit
- 400 Loan Bad Credit
Compare personal loan options in Nebraska
Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.
Check your rateWe may be paid a commission if you apply through this link. This does not affect our calculators or guides, which are free and independent.