Axtell at a glance
- Population: roughly 766 people; 147th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 736 (US Census Bureau).
- 2020 to 2023 change: an increase of about 4.1% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 147th largest of 527 (US Census Bureau).
- Size percentile: ahead of around 72% of Nebraska places in population terms (US Census Bureau).
- Coordinates: latitude 40.4798, longitude -99.1292 (US Census Bureau Gazetteer).
- Nearest larger cities: Minden, NE (9 mi); Holdrege, NE (13 mi); Kearney, NE (16 mi); Elm Creek, NE (21 mi); Gibbon, NE (24 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Funk, NE (6 mi); Wilcox, NE (8 mi); Hildreth, NE (11 mi) (US Census Bureau estimates).
What a personal loan costs in Axtell
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Axtell
Read the table as the compliance picture for a lender serving Axtell: label, sourced figure, publisher and date.
| 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 Axtell
These steps are the ones that most affect the offer you receive in Axtell:
- 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.