Beaver City at a glance
- Population: 530 residents, the 186th-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 535 (US Census Bureau).
- 2020 to 2023 change: down roughly 0.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 186th in population of 527 places (US Census Bureau).
- Size percentile: ahead of around 65% of Nebraska places in population terms (US Census Bureau).
- Coordinates: 40.1382 latitude, -99.8284 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Arapahoe, NE (12 mi); Oxford, NE (13 mi); Cambridge, NE (20 mi); Norton, KS (21 mi); Alma, NE (25 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Hendley, NE (8 mi); Edison, NE (10 mi); Stamford, NE (12 mi) (Census populations).
What a personal loan costs in Beaver City
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Beaver City
Read the table as the compliance picture for a lender serving Beaver City: label, sourced figure, publisher and date.
| 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 Beaver City
Before you share your details with a lender in Beaver City:
- 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.