Brady at a glance
- Population: 368, the 229th-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: 385 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 4.4% lower than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 229th-largest of 527 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 57% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.0223, -100.3676.
- Nearest larger cities: Gothenburg, NE (13 mi); North Platte, NE (21 mi); Cozad, NE (23 mi); Curtis, NE (28 mi); Arnold, NE (29 mi); US Census Bureau population estimates.
- Smaller towns nearby: Maxwell, NE (9 mi); Moorefield, NE (23 mi); Farnam, NE (23 mi) (US Census Bureau).
What a personal loan costs in Brady
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Brady
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Brady
A few practical steps will make the process in Brady less costly:
- 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.