Dunbar at a glance
- Population: 168 — 353rd in Nebraska, which has 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 164 (US Census Bureau).
- 2020 to 2023 change: about 2.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 353rd of the state's 527 Census places (US Census Bureau).
- Size percentile: about 33% of places in Nebraska are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.6687, -96.0309.
- Nearest larger cities: Syracuse, NE (8 mi); Nebraska City, NE (9 mi); Talmage, NE (9 mi); Avoca, NE (10 mi); Nehawka, NE (11 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Lorton, NE (5 mi); Otoe, NE (6 mi); Julian, NE (13 mi) (US Census Bureau).
What a personal loan costs in Dunbar
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Dunbar
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Dunbar.
| 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 Dunbar
These steps are the ones that most affect the offer you receive in Dunbar:
- 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.