Concord at a glance
- Population: 120, the 394th-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 125 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.0% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 394th in population of 527 places (US Census Bureau).
- Size percentile: about 25% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: 42.3842 latitude, -96.9893 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Laurel, NE (6 mi); Allen, NE (8 mi); Wayne, NE (10 mi); Wakefield, NE (10 mi); Carroll, NE (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Dixon, NE (2 mi); Belden, NE (11 mi); Martinsburg, NE (12 mi) (US Census Bureau estimates).
What a personal loan costs in Concord
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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 Concord
The table carries the Nebraska rate and licensing rules that apply to consumer loans made in Concord.
| 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 Concord
Before you commit to a personal loan in Concord, 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.