Fremont at a glance
- Population: roughly 27,602 people; 6th of 527 places in Nebraska (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 27,128 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: 6th by size among 527 communities (US Census Bureau).
- Size percentile: roughly 99% of Nebraska's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 41.4398, -96.4870 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Omaha, NE (26 mi); Bellevue, NE (35 mi); Council Bluffs, IA (36 mi); Lincoln, NE (45 mi); Sioux City, IA (73 mi) (US Census Bureau).
- Nearest smaller places: Inglewood, NE (2 mi); Nickerson, NE (7 mi); Arlington, NE (7 mi) (US Census Bureau estimates).
What a personal loan costs in Fremont
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Nebraska lending rules that apply in Fremont
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Fremont
Before you share your details with a lender in Fremont:
- 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.