Cairo at a glance
- Population: 804 residents, the 138th-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 820 (US Census Bureau).
- 2020 to 2023 change: population fell about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 138th in population of 527 places (US Census Bureau).
- Size percentile: roughly 74% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: 41.0048, -98.6006 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Wood River, NE (13 mi); Grand Island, NE (14 mi); Ravenna, NE (16 mi); St. Paul, NE (16 mi); Shelton, NE (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Howard City (Boelus), NE (8 mi); Dannebrog, NE (8 mi); Alda, NE (12 mi), each a US Census place.
What a personal loan costs in Cairo
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Cairo
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Cairo.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cairo
Before you share your details with a lender in Cairo:
- 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.