Bruno at a glance
- Population: about 98, 417th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 97 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 1.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 417th by size among 527 communities (US Census Bureau).
- Size percentile: roughly 21% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: latitude 41.2830, longitude -96.9609 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Octavia, NE (7 mi); Brainard, NE (7 mi); Prague, NE (8 mi); David City, NE (9 mi); Schuyler, NE (13 mi) (US Census Bureau populations).
- Smaller towns nearby: Abie, NE (4 mi); Linwood, NE (9 mi); Malmo, NE (13 mi) (US Census Bureau).
What a personal loan costs in Bruno
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Bruno
The table lists the Nebraska rules that apply to a loan made in Bruno, each with the regulator that published it.
| 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 Bruno
Before you commit to a personal loan in Bruno, work through these steps:
- 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.