Byron at a glance
- Population: about 85 residents, ranking 432nd of 527 Census places in Nebraska (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 89 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 4.5% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 432nd of the state's 527 Census places (US Census Bureau).
- Size percentile: larger than about 18% of the Census places in Nebraska (US Census Bureau).
- Coordinates: 40.0047 / -97.7688, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Chester, NE (8 mi); Hardy, NE (8 mi); Deshler, NE (10 mi); Ruskin, NE (11 mi); Munden, KS (14 mi) (US Census Bureau).
- Smaller places nearby: Republic, KS (6 mi); Hubbell, NE (14 mi); Webber, KS (15 mi), per US Census Bureau estimates.
What a personal loan costs in Byron
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Nebraska lending rules that apply in Byron
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| 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 Byron
Here is a short checklist for comparing personal loans in Byron:
- 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.