Davenport at a glance
- Population: the Census estimates 304 residents, ranking 255th of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 318 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 4.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 255th of the state's 527 Census places (US Census Bureau).
- Size percentile: roughly 52% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: 40.3124 latitude, -97.8114 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Shickley, NE (9 mi); Edgar, NE (9 mi); Deshler, NE (13 mi); Hebron, NE (15 mi); Nelson, NE (16 mi); US Census Bureau population estimates.
- Nearest smaller towns: Ong, NE (6 mi); Carleton, NE (7 mi); Oak, NE (7 mi) (US Census Bureau).
What a personal loan costs in Davenport
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Davenport
The table lists the Nebraska rules that apply to a loan made in Davenport, each with the regulator that published it.
| 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 Davenport
Run through this list before signing anything in Davenport:
- 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.