Crete at a glance
- Population: 7,488 residents, the 23rd-largest of 527 places in Nebraska (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,587 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Nebraska places: 23rd of the state's 527 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 96% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: latitude 40.6248, longitude -96.9525 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Lincoln, NE (19 mi); Seward, NE (21 mi); Beatrice, NE (27 mi); York, NE (38 mi); Gretna, NE (53 mi) (US Census Bureau populations).
- Nearest smaller towns: Dorchester, NE (9 mi); Denton, NE (10 mi); Wilber, NE (10 mi) (US Census Bureau).
What a personal loan costs in Crete
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Nebraska lending rules that apply in Crete
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 Crete
Here is a short checklist for comparing personal loans in Crete:
- 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.