Falls City at a glance
- Population: a Census-estimated 4,045, placing it 37th among Nebraska's 527 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,139 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Nebraska places: 37th in population of 527 places (US Census Bureau).
- Size percentile: it exceeds roughly 93% of Nebraska's Census places by population (US Census Bureau).
- Coordinates: 40.0622, -95.5990 (US Census Bureau Gazetteer).
- Nearest larger cities: Savannah, MO (42 mi); Atchison, KS (42 mi); Maryville, MO (43 mi); Nebraska City, NE (45 mi); St. Joseph, MO (46 mi); US Census Bureau population estimates.
- Nearest smaller communities: Reserve, KS (6 mi); Salem, NE (7 mi); Verdon, NE (8 mi) (Census populations).
What a personal loan costs in Falls City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Falls City
Each row below is a Nebraska rule with its publisher and the date it was retrieved.
| 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 Falls City
The order below is a sensible way to approach a loan in Falls City:
- 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.