Eddyville at a glance
- Population: a Census-estimated 85, placing it 433rd among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 85 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly unchanged from the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 433rd of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 18% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.0122, -99.6240.
- Nearest larger cities: Sumner, NE (7 mi); Oconto, NE (11 mi); Miller, NE (14 mi); Lexington, NE (17 mi); Overton, NE (19 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Berwyn, NE (24 mi); Hazard, NE (29 mi); Smithfield, NE (31 mi) (Census populations).
What a personal loan costs in Eddyville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Nebraska lending rules that apply in Eddyville
The table lists the Nebraska rules that apply to a loan made in Eddyville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eddyville
These steps are the ones that most affect the offer you receive in Eddyville:
- 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.