Genoa at a glance
- Population: the Census estimates 868 residents, ranking 127th of 527 places in Nebraska (Vintage 2023).
- 2020 Census base: 895 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 3.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Nebraska places: 127th in population of 527 places (US Census Bureau).
- Size percentile: ahead of around 76% of Nebraska places in population terms (US Census Bureau).
- Coordinates: 41.4459, -97.7333 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Fullerton, NE (14 mi); Columbus, NE (19 mi); Osceola, NE (21 mi); Albion, NE (22 mi); Stromsburg, NE (24 mi) (US Census Bureau populations).
- Smaller places nearby: Monroe, NE (7 mi); Silver Creek, NE (10 mi); St. Edward, NE (11 mi), per US Census Bureau estimates.
What a personal loan costs in Genoa
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Nebraska lending rules that apply in Genoa
Read the table as the compliance picture for a lender serving Genoa: label, sourced figure, publisher and date.
| 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 Genoa
Before you commit to a personal loan in Genoa, 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.