Funk at a glance
- Population: 175 people, the 347th-largest place among Nebraska's 527 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 175 residents here (US Census Bureau).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Nebraska places: the 347th-largest of 527 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 34% of Nebraska places in population terms (US Census Bureau).
- Coordinates: 40.4631 / -99.2508, per the US Census Bureau Gazetteer.
- Nearest larger cities: Axtell, NE (6 mi); Holdrege, NE (7 mi); Wilcox, NE (8 mi); Loomis, NE (14 mi); Hildreth, NE (14 mi); US Census Bureau population estimates.
- Smaller towns nearby: Ragan, NE (11 mi); Atlanta, NE (13 mi); Huntley, NE (18 mi) (US Census Bureau).
What a personal loan costs in Funk
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Funk
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Funk
A few practical steps will make the process in Funk less costly:
- 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.