Garland at a glance
- Population: 205, the 322nd-largest community in Nebraska out of 527 (US Census Bureau, Vintage 2023).
- 2020 Census base: 211 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.8% below the 2020 Census base (US Census Bureau).
- Rank among Nebraska places: 322nd of 527 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 39% of the Census places in Nebraska (US Census Bureau).
- Coordinates: latitude 40.9446, longitude -96.9853 (US Census Bureau Gazetteer).
- Nearest larger cities: Seward, NE (6 mi); Malcolm, NE (7 mi); Dwight, NE (10 mi); Staplehurst, NE (10 mi); Pleasant Dale, NE (11 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Bee, NE (6 mi); Raymond, NE (11 mi); Ulysses, NE (14 mi) (US Census Bureau).
What a personal loan costs in Garland
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Nebraska lending rules that apply in Garland
The Nebraska rate caps and licensing rules that reach Garland are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Garland
Before you commit to a personal loan in Garland, work through these steps:
- 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.