Blue Hill at a glance
- Population: 795 — 140th in Nebraska, which has 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 807 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 140th in population of 527 places (US Census Bureau).
- Size percentile: it is larger than about 73% of the places in Nebraska (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.3331, -98.4484.
- Nearest larger cities: Red Cloud, NE (17 mi); Hastings, NE (18 mi); Kenesaw, NE (23 mi); Harvard, NE (27 mi); Minden, NE (30 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Ayr, NE (7 mi); Bladen, NE (8 mi); Lawrence, NE (10 mi) (US Census Bureau estimates).
What a personal loan costs in Blue Hill
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Blue Hill
The table lists the Nebraska rules that apply to a loan made in Blue Hill, 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 Blue Hill
The steps below are worth completing first when you borrow in Blue Hill:
- 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.