Carleton at a glance
- Population: about 86, 430th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 90 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 4.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 430th in population of 527 places (US Census Bureau).
- Size percentile: it exceeds roughly 18% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: latitude 40.3033, longitude -97.6836 (US Census Bureau Gazetteer).
- Nearest larger cities: Bruning, NE (7 mi); Davenport, NE (7 mi); Shickley, NE (8 mi); Hebron, NE (11 mi); Deshler, NE (11 mi); US Census Bureau population estimates.
- Nearest smaller towns: Belvidere, NE (7 mi); Strang, NE (9 mi); Ong, NE (11 mi) (US Census Bureau).
What a personal loan costs in Carleton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Carleton
The table lists the Nebraska rules that apply to a loan made in Carleton, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Carleton
These steps are the ones that most affect the offer you receive in Carleton:
- 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.