Chappell at a glance
- Population: a Census-estimated 851, placing it 129th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 841 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: the 129th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 76% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: mapped at 41.0913, -102.4699 by the US Census Bureau Gazetteer.
- Nearest larger cities: Julesburg, CO (13 mi); Sidney, NE (26 mi); Haxtun, CO (32 mi); Holyoke, CO (36 mi); Ogallala, NE (39 mi); US Census Bureau population estimates.
- Smaller towns nearby: Lodgepole, NE (10 mi); Ovid, CO (10 mi); Sedgwick, CO (11 mi) (US Census Bureau).
What a personal loan costs in Chappell
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Chappell
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| 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 Chappell
These steps are the ones that most affect the offer you receive in Chappell:
- 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.