Blair at a glance
- Population: roughly 7,967 people; 21st of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,793 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 2.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 21st of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 96% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: 41.5416 latitude, -96.1353 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Fremont, NE (20 mi); Omaha, NE (20 mi); La Vista, NE (25 mi); Council Bluffs, IA (26 mi); Papillion, NE (28 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Kennard, NE (6 mi); Fort Calhoun, NE (8 mi); Modale, IA (8 mi) (US Census Bureau).
What a personal loan costs in Blair
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Nebraska lending rules that apply in Blair
The table lists the Nebraska rules that apply to a loan made in Blair, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Blair
Run through this list before signing anything in Blair:
- 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.