Bartley at a glance
- Population: about 264, 285th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 269 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 1.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 285th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 46% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: latitude 40.2511, longitude -100.3104 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Indianola, NE (6 mi); Cambridge, NE (8 mi); McCook, NE (17 mi); Arapahoe, NE (22 mi); Beaver City, NE (27 mi) (US Census Bureau).
- Nearest smaller communities: Lebanon, NE (14 mi); Wilsonville, NE (14 mi); Danbury, NE (16 mi), each a US Census place.
What a personal loan costs in Bartley
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Nebraska lending rules that apply in Bartley
The table lists the Nebraska rules that apply to a loan made in Bartley, 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 Bartley
The order below is a sensible way to approach a loan in Bartley:
- 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.