Arthur at a glance
- Population: the Census estimates 120 residents, ranking 393rd of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 125 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 4.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 393rd of the state's 527 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 25% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: 41.5719, -101.6923 (US Census Bureau Gazetteer).
- Nearest larger cities: Lewellen, NE (29 mi); Hyannis, NE (30 mi); Ogallala, NE (31 mi); Brule, NE (35 mi); Oshkosh, NE (36 mi); US Census Bureau population estimates.
- Nearest smaller towns: Elsie, NE (52 mi); Broadwater, NE (60 mi); Gandy, NE (64 mi) — US Census Bureau populations.
What a personal loan costs in Arthur
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Arthur
The table lists the Nebraska rules that apply to a loan made in Arthur, 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 Arthur
Before you commit to a personal loan in Arthur, 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.