Bassett at a glance
- Population: 549 people, the 184th-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 541 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 1.5% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 184th of the state's 527 Census places (US Census Bureau).
- Size percentile: ahead of around 65% of Nebraska places in population terms (US Census Bureau).
- Coordinates: 42.5825 latitude, -99.5366 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Ainsworth, NE (16 mi); Atkinson, NE (29 mi); Burke, SD (43 mi); Gregory, SD (45 mi); O'Neill, NE (46 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Long Pine, NE (9 mi); Newport, NE (11 mi); Springview, NE (20 mi), per US Census Bureau estimates.
What a personal loan costs in Bassett
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Bassett
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Bassett.
| 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 Bassett
The steps below are worth completing first when you borrow in Bassett:
- 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.