Crofton at a glance
- Population: a Census-estimated 759, placing it 148th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 756 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 148th by size among 527 communities (US Census Bureau).
- Size percentile: roughly 72% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: mapped at 42.7316, -97.4986 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bloomfield, NE (12 mi); Yankton, SD (12 mi); Hartington, NE (14 mi); Springfield, SD (22 mi); Randolph, NE (25 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Fordyce, NE (7 mi); St. Helena, NE (14 mi); Wausa, NE (16 mi), per US Census Bureau estimates.
What a personal loan costs in Crofton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Crofton
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Crofton.
| 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 Crofton
A few practical steps will make the process in Crofton less costly:
- 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.