Elk Creek at a glance
- Population: 64, the 460th-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 67 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 4.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 460th of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 13% of the places in Nebraska (US Census Bureau).
- Coordinates: 40.2883 latitude, -96.1269 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Tecumseh, NE (7 mi); Table Rock, NE (8 mi); Johnson, NE (11 mi); Pawnee City, NE (12 mi); Humboldt, NE (13 mi); US Census Bureau population estimates.
- Nearest smaller communities: Steinauer, NE (8 mi); Lewiston, NE (15 mi); Crab Orchard, NE (16 mi) (Census populations).
What a personal loan costs in Elk Creek
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Nebraska lending rules that apply in Elk Creek
The table lists the Nebraska rules that apply to a loan made in Elk Creek, 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 Elk Creek
Before you share your details with a lender in Elk Creek:
- 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.