Duncan at a glance
- Population: 387 — 221st in Nebraska, which has 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 389 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 0.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 221st-largest of 527 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 58% of places in Nebraska rank below it by population (US Census Bureau).
- Coordinates: 41.3904, -97.4927 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Columbus, NE (8 mi); Genoa, NE (13 mi); Bellwood, NE (14 mi); Shelby, NE (14 mi); Osceola, NE (15 mi) (US Census Bureau).
- Smaller towns nearby: Monroe, NE (8 mi); Platte Center, NE (10 mi); Silver Creek, NE (10 mi) (US Census Bureau).
What a personal loan costs in Duncan
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Duncan
The Nebraska rate caps and licensing rules that reach Duncan are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Duncan
The order below is a sensible way to approach a loan in Duncan:
- 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.