Douglas at a glance
- Population: a Census-estimated 173, placing it 350th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 171 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 350th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 34% of Nebraska's Census places are smaller (US Census Bureau).
- Coordinates: 40.5932 / -96.3882, per the US Census Bureau Gazetteer.
- Nearest larger cities: Panama, NE (6 mi); Palmyra, NE (8 mi); Bennet, NE (9 mi); Unadilla, NE (9 mi); Sterling, NE (9 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Burr, NE (6 mi); Otoe, NE (17 mi); Crab Orchard, NE (18 mi) (Census populations).
What a personal loan costs in Douglas
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Douglas
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Douglas.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Douglas
Here is a short checklist for comparing personal loans in Douglas:
- 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.