Bellevue at a glance
- Population: a Census-estimated 63,922, placing it 3rd among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 65,068 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 1.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 3rd by size among 527 communities (US Census Bureau).
- Size percentile: it exceeds roughly 99% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: mapped at 41.1449, -95.9386 by the US Census Bureau Gazetteer.
- Nearest larger cities: Omaha, NE (10 mi); Lincoln, NE (45 mi); Sioux City, IA (96 mi); St. Joseph, MO (112 mi); West Des Moines, IA (115 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Ralston, NE (6 mi); La Vista, NE (7 mi); Papillion, NE (7 mi) — US Census Bureau populations.
What a personal loan costs in Bellevue
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Nebraska lending rules that apply in Bellevue
The Nebraska rate caps and licensing rules that reach Bellevue are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bellevue
The steps below are worth completing first when you borrow in Bellevue:
- 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.